I paid the down payment, signed the subscription agreement, paid the down payment in advance for convenience, did not sign the contract, and the social security was not enough for one year, so I couldn't get the loan. I am in the same situation as you. No problem. I bought the house in May 1 and waited for 2 months to apply for a loan from the bank. The loan will expire this month and be repaid next month. You don't have to worry. Did you go to the housing management office to register the mortgage loan? There should be your house registration information in the house management office ~! By the way, which bank did the developer quote you? It is better to choose Bank of China and China Construction Bank than ICBC.