Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Why do banks finance shared construction as mortgages instead of financing it directly and selling the apartments in a building?
The most succinct answer is "Banks are in the Money business". Not construction, not real estate, not any of the other things they may find find themselves sometimes being dragged (foreclosure) or tempted (construction) into. "Money" is their core competence, and as good business people they recognize that straying outside that just dilutes their focus.