Legal analysis: If the second-hand house loan is not obtained, the keys can be handed over. Theoretically speaking, regardless of whether the loan is obtained or not, since the property has been transferred to your name, you can of course live in this house. After approval, the bank will issue a loan approval letter to prove to the seller that the bank agrees to lend money to the home buyer, and the seller can transfer the house to the home buyer with confidence. When applying for a loan, the home buyer provided false materials.

Legal basis: "The People's Republic of China and the Civil Code"

Article 667: The loan contract means that the borrower borrows money from the lender, and returns the loan and pays when due interest contract.

Article 680: Lending at high interest rates is prohibited, and the interest rate for borrowing must not violate relevant state regulations. If the loan contract does not stipulate the payment of interest, it will be deemed that there is no interest. If the loan contract does not clearly stipulate the payment of interest, and the parties cannot reach a supplementary agreement, the interest will be determined according to local or party transaction methods, transaction habits, market interest rates and other factors; if the loan is borrowed between natural persons, it will be deemed to have no interest.