You can get a loan if you have a contract. Buying a faster house by mortgage is a contract loan. Second-hand housing must have a real estate license first, then transfer ownership, and then loan. Only when you have a hukou can you apply for a mortgage loan at a credit cooperative and China Merchants Bank. Only contracts can't apply for mortgage loans.

1. negotiate with the development company to cancel the filing and sign a new contract, so that even if you buy a first-hand house, you can make a down payment of 30%. However, if the developer's big house property certificate is completed, it will be more difficult to cancel the record.

2, let him handle the real estate license, and then you transfer the ownership. This method is not very good, because he needs to pay the deed tax for the real estate license, and you also need to pay the deed tax for the transfer, so you pay two yuan, and you count this as a second-hand house mortgage, and the loan down payment is relatively high! Your landlord's mortgage sale is troublesome, so I suggest you adopt the first method.