1. Do not try any trick while taking Bank loan in your interest,
2. You want that you will abscond after taking loan by mortgaging the property jointly owned by you and your mother and enjoy the amount for which your mother should pay the loan to get back the joint property,
3. If your mother wants to repay the loan for you willingly she can do that for which you won't have to become invisible. After she makes the payment, the Bank will return the original deed to you without asking who paid for you,
4. However, if you abscond and your mother is not willing to pay, she can lodge a police complaint alleging that you have run away with the loan amount for which her share of the joint property mortgaged with the Bank is in danger.