Although ordinary housing has not been delivered, you can apply for a mortgage loan as long as it is reported.

The sooner the developer's funds are in place, the better for them, so they will always urge you to apply for a mortgage.

You can find an excuse to postpone the loan for a little while. Today is 14.

So when you finish the formalities and the bank loan is released, it may be next year, 65438+ 10.

The monthly mortgage payment starts from the month after the loan is issued, so if the loan is issued in June 5438+10,

You can't start paying the mortgage until February.

I think this is the only solution. I wonder if I can help you.