If the development loan is mortgaged by the project under construction, only the development loan bank can be selected, and the mortgage loan cannot be made. When evaluating, the evaluation value of the whole real estate project under construction must deduct the value of the sold physical part of the project under construction and the corresponding land use right value. Because the rights of some sold properties no longer belong to the entrusting unit, the client has no right to mortgage. The connection process between the mortgage of construction in progress and the mortgage of individual house purchase is as follows: 1. First of all, the developer should obtain the pre-sale permit and inform the bank. 2. Secondly, part or all of the room numbers in the sales license should be made into a list in advance to inform the bank. 3. After the approval, the bank will go through the relevant formalities at the trading center. After the transaction center completes the transaction in its system register (commonly known as "release"), subsequent individuals can purchase houses and mortgage normally.