Hello! The loan contract you are talking about is the approval material that you went to the bank to sign for the first time, which is also the loan contract in the second-hand house sales contract. When signing a loan contract, the bank will ask you to provide your bank card number, because after the house transfer is completed and the mortgage is completed, the bank will directly transfer the money to your account. So you don’t have to worry about this step. The buyer's down payment is paid to you when the housing authority handles the transfer procedures. If there is anything you don’t understand clearly, you can send me a message