But they not want create raw transaction if balance is not match on address .... about electrum - command line is broken end not work.
I try find tool how "bitcoin address utility"
With Bitcoin Core, you most certainly can create a raw transaction for addresses not in your wallet and with invalid values. It doesn't do any validation. IIRC electrum can as well. If you can't get it to work, you're just doing it wrong. Electrum's console is a python console, not a normal shell-like console.