The loan has nothing to do with whether you take the real estate license or not. If it has been done, it can't be returned. It must be repaid monthly, but it can be repaid in advance and paid in one lump sum after 1 year. If you want to check out, you can only discuss with the developer. This is more troublesome, and you need to pay liquidated damages or something. Because if the mortgage comes down, the developer will generally not return a house, because the loan money has been given to the developer, how can he be willing to spit it out? The bank only recognizes that you are the owner of the house, and you must pay back the money only. It doesn't matter whether the house is handed over or not. You got it?