The first situation is the existing house. If you pay in one lump sum, you can get the key after paying the money. If it is a loan, you need the bank to give you a loan before you can get the key (when you give a loan, you may not be able to repay it until next month, so it is not the time to start repaying the loan, but the time to give it. The loan means that the developer has received all your house payment, and the house payment between the developer and you has been completely settled, and all you owe is the money from the bank. )

The second situation is faster, and you need to wait until the house is completed and accepted before you can get the key.