It can only be returned to the developer because the bank has deducted the mortgage from the developer's margin account during the overdue period. In other words, the developer repays the loan for you, so the bank will deduct the developer's money as much as you owe.
The best way to repay overdue mortgage in advance is to return the advance payment to the developer. Of course, before repayment, it is necessary to make sure that the developer has completed the advance payment and let the developer issue receipts and other supporting materials. When returning, the developer may demand a certain penalty, which can be paid within a reasonable range.