As you said, the loan has been mortgaged, but the bank has been slow to lend. In this case, you should apply to the bank to cancel the loan contract, get back the real estate license, other warrants and the Application for Cancellation of Real Estate Mortgage issued by the bank, and then go to the real estate exchange to cancel the real estate mortgage, and it will be ok.

Because the loan is not completed, your loan record in the bank is not available, it will not be included in your personal credit record, and it will not affect the future sale of this house. Of course, there is no need to pay any fees for canceling the loan (the mortgage registration fee cannot be refunded).