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Why didn't I get the house loan contract?
Legal subjectivity:

The house purchase contract is in quintuplicate, with one bank guarantee and one for myself. You should let the developer clear it and be careful what happens in the middle.

Legal objectivity:

Article 595 of the Civil Code of People's Republic of China (PRC) is a sales contract in which the seller transfers the ownership of the subject matter to the buyer and the buyer pays the price. Article 596 of the Civil Code of People's Republic of China (PRC) generally includes terms such as the name, quantity, quality, price, time limit for performance, place and method of performance, packaging method, inspection standards and methods, settlement method, words used in the contract and their effectiveness. Article 667 of the Civil Law of People's Republic of China (PRC) is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest. Article 668 of the Civil Code of People's Republic of China (PRC) A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.