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When buying a house, the developer only provided a bank loan to the owner. Does the owner have the right to choose other banks?
Yes, but the developers definitely disagree, which will affect their cooperative interests.

Besides, it is more troublesome for you to do it yourself. Otherwise, how can you get a 30% loan for a new house? If you do it yourself, I guess they won't give you a loan.

Because the developer has money, the bank gives him a loan with less risk.