You can negotiate with the developer, you can pay the down payment first, and the loan time will be delayed to 20 12 12. If the loan is not completed before October 30, 2065438+2003/KLOC-0, the developer may be allowed to deduct part of overdue liquidated damages or terminate the contract.

In this way, developers will not care too much, because after all, the house has been sold;

For you, you must first find out how much provident fund you can borrow and whether it is enough to pay for the rest of the house. If enough, do so; If the quota cannot be determined or it is not enough, commercial loans and provident fund portfolio loans should be prepared at the same time. Including your materials, proof of income, loan period, etc. Must be clear.

I hope I can help you. Keep asking if you have any questions.