If your housing loan has been approved, but the bank fails to lend money in time for some reasons, you can still enjoy the preferential interest rate of the first housing loan, because the preferential interest rate condition is that you apply for housing for the first time and the loan amount does not exceed the specified amount of the first housing loan of the bank. However, if your home loan is not approved, then you can't enjoy the preferential interest rate of the first home loan. I suggest you contact the bank in time to understand your specific situation and consult relevant solutions.