The owner can only cooperate with the transfer after receiving all the purchase money, so whether it is a loan or not, it must be transferred after the full amount is in place.

In the area where the transaction funds are supervised, the buyer can transfer all the purchase money to the supervision account before handling the transaction transfer, and the owner receives all the purchase money transferred by the supervision center when the buyer obtains the property right certificate.

In the case of mortgage loan, in order to advance the loan (before the transfer), a guarantee company must participate.