No, the loan is just an intention. As long as there is no mortgage procedure and no loan, the house will not be frozen, and there is no need for the bank to freeze your house.

As long as you tell the bank, the bank will not lend money.

Didn't you ask about the mortgage when you took out the loan? For example, the bank staff will tell you that you don't have to come in the future, and it will be fine to pay back the money then.

Generally, you need to go through the mortgage formalities in person, but there are exceptions.