No, the bank has transferred the money to the real estate developer, and it is a loan legal relationship with you. You and the real estate developer are buying and selling relationships, which are two different legal relationships. According to the signed contract, if the developer fails to handle the real estate license on time, you can return the house or pay the liquidated damages as agreed, and if you fail to repay the loan on time, the bank will also hold you liable for breach of contract according to the contract.

The reason why the bank didn't rush you may be because you didn't repay on time, and the developer took the responsibility of advance payment, so the bank's money has been recovered, and you need to pay the advance payment to the developer, or it may be a problem of internal management of the bank. Or policy reasons for overdue loan collection.