First of all, it's illegal. Even if you bought this house with a loan, the bank has already transferred the full amount to the developer's account. For the developer, your house is completely in place. The rest is your loan relationship with the bank. Moreover, the other rights column of the real estate license will indicate your loan amount and loan bank. His certificate of rights will also be placed in the bank. After the real estate license comes down, as long as the land is filed by households, it can be obtained by households. The land certificate is originally a big certificate, but it can be divided into several small certificates for the owners to hold. The developer can only get the land certificate under the pretext of paying in full, which should be another story. Possible situations include: the developer's land transfer fee has not been paid in full, the developer has mortgaged the land to the bank, and the developer's previous land filing work has not been completed or done.