1. The reason why small developers delay applying for loans may be that they are bound by the purchase contract. Property buyers should abide by the agreement and handle the mortgage in time, otherwise they may have to bear compensation for breach of contract. If you can't handle the mortgage on time for other reasons, you should negotiate with the developer in time to reach an understanding and agree on a new time limit for handling the mortgage. Don't put yourself in a passive position by procrastinating without reason.

2. Before the pre-sale, the developer has mortgaged the property right of the auction house to the bank to obtain cash flow to maintain the rolling development. At this time, the house has been mortgaged once and cannot be mortgaged twice. When the developer started the pre-sale, the mortgage had not been lifted. After paying the down payment, the buyer can't apply for a mortgage from the bank with the pre-sale contract.