Legal analysis: The final payment cannot be obtained until the house is transferred. The time for the seller to receive the final payment depends on the form of the buyer's loan, and the commercial loan is generally 15 working days after the real estate license is completed; Municipal provident fund loans generally take 1-15 working days to complete the real estate license; The municipal portfolio loan is about 4 months; The state-owned portfolio loan is the seller's final payment about 2 months after the account is closed.

Legal basis: Law of the People's Republic of China on Urban Real Estate Management

Article 36 When transferring or mortgaging real estate, the parties concerned shall register the ownership in accordance with the provisions of Chapter V of this Law.

article 62 when a real estate is mortgaged, the mortgage registration shall be handled with the department specified by the local people's government at or above the county level. Where the land use right and house ownership are obtained due to the disposal of mortgaged real estate, the transfer registration shall be handled in accordance with the provisions of this chapter.