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Is it illegal to buy a house loan?
Buying a house loan is not illegal. This is the normal repayment procedure of commercial housing mortgage loan. After you buy a house and sign a mortgage contract, the bank mortgages your house, and then the bank gives the money you borrowed to the developer. This process is not affected by the delivery of houses. At this time, your loan will be returned to the bank according to the time agreed in the loan contract.

Legal basis: Article 61 of People's Republic of China (PRC) Urban Real Estate Management Law.

Whoever obtains the land use right by allocation or allocation shall apply to the land administration department of the local people's government at or above the county level for registration, which shall be verified by the land administration department of the local people's government at or above the county level, and the land use right certificate shall be issued by the people's government at the same level.

If a house is built on the land for real estate development obtained according to law, it shall apply to the real estate management department of the local people's government at or above the county level for registration with the certificate of land use right, and the real estate management department of the local people's government at or above the county level shall verify and issue the certificate of ownership of the house.

When real estate is transferred or changed, it shall apply to the real estate management department of the local people's government at or above the county level for registration of change of real estate, and apply to the land management department of the people's government at the same level for registration of change of land use right on the basis of the changed house ownership certificate. After verification by the land administration department of the people's government at the same level, the land use right certificate shall be replaced or changed by the people's government at the same level.

If it is otherwise provided by law, it shall be handled in accordance with the provisions of relevant laws.