1. If the bank refuses to lend money all the time: If you agree on a date in the contract with the seller or intermediary, you are likely to be liable for breach of contract; If there is no agreed date, nothing will happen.

2. "After the approval of the bank, how to lend? Just longer? Is it possible to drag on? " ：

(1) The bank will lend money as long as it is approved: it is only a matter of time. In addition, at the end of the year or the beginning of the year, there may be an audit or assessment by the superior bank, and the loan approval procedure will be stricter and the time will be longer, but as long as it is approved, there will be no problem. If there is a specified time in your contract, it is recommended to negotiate with the other party or intermediary about delaying the loan.

(2) There will be no delay: it will only be longer than normal.