What should I do if the real estate sues the owner for not lending? You just need to provide the loan documents. If it is not your personal credit problem, it should be that the relationship between the developer and the bank is not well coordinated, so you can't get the loan. You can consult joint-stock banks, such as China Merchants, China Everbright, Minsheng, Xingye and Guangfa. If these banks promise to handle the loan procedures for you, but the developer can't provide the guarantee documents he needs to provide, it can prove that it is the developer's problem.