First of all, you have to confirm whether the property right certificate has been issued, but the owner has not gone to the developer to collect it. Because if the property right has not been issued and there is only a purchase contract, then it is risky to buy the contract house during the transaction, and the transaction contract house is not protected by law at present. If it is confirmed that the owner of the property right certificate has obtained it, it is possible to apply for a mortgage without a land certificate. Only when the owner needs to apply to the bank to repay the loan in advance and cancel the mortgage after repayment can he enter the process of applying for a loan and transferring ownership.