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Can I apply for a mortgage for a building that has not yet been capped?
1, as long as you apply for the Pre-sale Permit for Commercial Housing, you can apply for a bank mortgage!

2. capping: refers to the completion of the main structure of the building.

3. The pre-sale permit of commercial housing is the approval document of the real estate administrative department of the people's government of the city or county to allow real estate development enterprises to sell commercial housing. The competent authority is the Municipal Bureau of Land and Housing Management, and the certificate is uniformly printed, registered, approved and issued by the Municipal Bureau of Land and Housing Management.

The developer can only sell the house and collect the house payment from the buyer if he obtains the pre-sale certificate. It is illegal to collect money without a pre-sale certificate, and the law does not protect the rights of buyers and sellers!