1. Your loan cannot be approved. Please consult with the development company and apply for cancellation of filing. The reason for the application is that the loan is unqualified, and you apply for check-out. Then write your name in the contract.

2. Your monthly payment is 2,300 yuan and your salary is 5,500 yuan. It's enough to change money. Your car loan has been paid off, don't worry, but since you are single, you need to find a guarantor. You can use your friend as a guarantor, which makes the examination and approval easier.

If not, you can go to the development company to apply for a new bank. Generally speaking, development companies have agreements with many banks. See if other banks can do it, because there is a strict examination and approval problem.

As for you saying that you and your friend wrote it in the contract together, I don't quite understand this. If that's the case, write you down first, because your income is high, you can tell your friends not to worry, because you need to be present when handling the real estate license, and it's OK to write you and your friends on the real estate license with the homeowner.