The developer allowed the loan to be delayed for a while. After the down payment is paid, the mortgage loan can be postponed. The most important thing is to negotiate with the developer. As long as the developer agrees, you can go to the bank to apply for loan suspension procedures.

Mortgage loan process:

1. Submit an application. The customer submits a written loan application to the bank and submits relevant information;

2. Sign the contract. After receiving the loan approval notice from the bank, the loan applicant must go to the lending bank to sign a loan contract and a guarantee contract, and handle notarization, mortgage registration, insurance and other related procedures as appropriate;

3. Issuance account. Customers who choose the entrusted deduction method for repayment need to sign an entrusted deduction agreement with the bank and open a special savings passbook account or savings card or credit card account for repayment at the business outlet designated by the loan bank. At the same time, the house seller must open a house sales settlement account or a special deposit account at the lending bank;

4. Use the loan. For loans approved by the lending bank, after completing the relevant procedures, the lending bank will directly transfer the loan to the borrower's deposit account opened with the lending bank in accordance with the loan contract, or transfer the loan to the house seller in one go or in installments. In the deposit account opened by the lending bank;

5. Repay the loan on schedule. The borrower repays the principal and interest of the loan according to the repayment plan and repayment method stipulated in the loan contract. There are two repayment methods available: entrusted deduction and over-the-counter repayment.

Legal basis:

Article 667 of the "People's Republic of China and Civil Code"

A loan contract is a loan from the borrower to the lender , a contract to return the borrowed money and pay interest when due.