Generally speaking, when buying commercial housing, developers will cooperate with their own banks to handle mortgage loans for buyers. At this time, your mortgage bank is the bank designated by the developer. Your bank loan is the bank designated by the developer.

However, if you apply for a mortgage loan from another bank, first of all, is the bank you are looking for willing to apply? This is considered to be out of line, and the bank is unwilling. Second, are developers willing to do this? (If you look for a bank, the developer may not be willing to accept the relevant restrictions, because after you have completed the mortgage, the bank will pay your mortgage to the developer, but the bank will charge a certain percentage of the deposit in the bank, and the developer may not accept it. Moreover, the developer of the loan bank has filed with the Housing Authority, and the change of bank procedures may be more troublesome. )