Second-hand housing mortgage, the bank has agreed to loan, but in the past has not been allowed to sign a loan contract. Does this contract need the approval of their superiors?

You said that the bank agreed to the loan, then the bank must have approved your loan application and accepted your procedures. Why not sign the contract? Have you seen the loan approval letter?

To borrow money from a bank, a loan contract must be signed first (provident fund loan is followed by a loan contract). The bank will issue a loan approval letter and agree to issue a loan to the borrower after approving the borrower's procedures. Then you can transfer the ownership.

That is, first sign a loan contract and wait for approval. After the loan is approved, it will be transferred. After the transfer, the bank will mortgage the real estate license and then lend it to the original homeowner.

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