under normal circumstances, first of all, the repayment time of the house loan is the month after the bank lends money, and it must be repaid monthly. If it is not repaid on time, it will face corresponding penalties, such as the house being sealed up, being sued by the bank, being blacklisted in the central bank database, etc. After the down payment is completed, the developer issues an invoice, and the bank goes through the mortgage formalities after obtaining the copy of the down payment invoice. After the loan is approved and the mortgage certificate is issued, the bank will repay the loan to the developer's account the next month. Article 18 of the Interpretation on Several Issues Concerning the Application of Law in the Trial of Disputes over Commercial Housing Sales Contracts stipulates that: If the buyer fails to obtain the certificate of ownership of the house at the expiration of the following time limit due to the seller's reasons, the seller shall bear the liability for breach of contract, unless otherwise agreed by the parties: 1. The time limit for handling the registration of ownership of the house as stipulated in the commercial housing sales contract; Two, the subject matter of the commercial housing sales contract is the unfinished house, 9 days from the date of delivery of the house; Three, the subject matter of the commercial housing sales contract is a completed house, 9 days from the date of conclusion of the contract.