For buyers who buy first-hand existing houses or second-hand houses, they usually start to repay loans in the next month after the bank lends money. But if you are buying an auction house, the time is more difficult to determine. According to the relevant regulations, developers can only apply for mortgage after obtaining the pre-sale certificate. Usually, multi-storey houses can only apply for pre-sale certificates if they are capped, and two-thirds of the high-rise buildings can also apply for pre-sale certificates. Many people may not have started construction when they buy faster houses, so they can't apply for mortgage loans. In fact, the loan procedures for buying a house are only the approval made by the bank in advance, and the loan can not be officially issued until the auction house obtains the pre-sale permit, and the repayment will begin the next month. Therefore, it will take a year or more from the approval of the loan to the official repayment, depending on when the house can be built to the pre-sale standard.