To apply for a loan when buying a house, you can go to the bank yourself, and you don't have to go to the designated bank to apply for a loan according to the requirements of the developer. Unless the contract signed with the developer clearly stipulates the need to designate a bank, you should also read the terms carefully when signing the contract to prevent similar overlord clauses.

If you go to the bank for a loan yourself, you need to pay attention to the following points:

The loan policy of each bank is different. It is suggested that the loan policies of banks should be made clear in advance, and then they should be compared and selected. Under normal circumstances, banks with lower loan interest rates and banks with lower loan thresholds should be selected.

② When handling a loan in a bank, you need to prepare relevant materials in advance, and you must sign a loan contract with the bank after approval. Similarly, before signing a formal loan contract, you should read the terms carefully and check them word for word.