The loan procedure of the house is handled after the signing of the sales contract, which must generally be handled within ten working days, but you can negotiate with the developer to postpone the loan approval procedure, so that you can repay the bank loan in the future; But you must get the consent of the developer, otherwise the developer has the right to investigate your liability for breach of contract and late fees!

The repayment time of the house loan is the month after the bank lends money, and you must start making monthly repayment. If you don't repay on time, you will face corresponding penalties, such as the house being sealed up, being sued by the bank, being blacklisted in the central bank's database, and so on.