If it is a mortgage, you need to provide a letter of commitment issued by the bank (that is, the loan approval notice you mentioned) when transferring the ownership, because the transaction method is indicated in the sales contract, and this must be included in the relevant information of the mortgage method, and the transfer can only be made if the loan has been clearly indicated.

If the bank does not complete the examination and approval, it cannot issue a letter of commitment.

In addition, the general bank staff will not go when transferring money, but only when they apply for a mortgage.

In this case, you are afraid that the loan will not be approved after opening an account, and there will be certain risks, but the contract you signed at the intermediary office also has relevant legal effect.