Legal analysis: The commercial housing sales contract is signed with the developer, and the loan contract is signed with the bank.

Legal basis: "Measures for the Administration of Commercial Housing Sales" Article 16 When selling commercial housing, the real estate development enterprise and the buyer shall enter into a written commercial housing sales contract. The contract registration number on the title page of the commercial housing sales contract is called the commercial housing sales contract number.

Article 50 of the "City Real Estate Management Law of the People's Republic of China" For real estate mortgage, the mortgagor and the mortgagee shall sign a written mortgage contract.