according to your question, let me explain my understanding of your question first: you plan to buy a second-hand house and apply for a loan. The bank has issued a loan agreement, but you discussed with the seller to postpone the transfer for two months. For this, you can postpone the transfer for two months, but there are risks: 1. Before the transfer, the seller may breach the contract and refuse to handle the transfer; 2. Please be sure to confirm the time when the bank actually issues the loan to the seller to ensure that it is linked to the transfer procedures.