Hello, there are many reasons for this situation. If the building acceptance of the developer is all qualified, it should be that the developer of personal real estate license can't do it at present and can't provide you with real estate license. The bank won't give you a loan or the developer's procedures are incomplete, so the bank dare not lend rashly. You can directly ask the developer why. If there is a specific time for handling the loan in the contract, and the developer fails to handle it within the specified time, you can hold the developer responsible and demand payment of liquidated damages, hoping to help you.