First of all, you have to determine whether it is a developer's problem and whether other property buyers have handled it in the same period. First of all, as a bank, as long as it can become a project partner, this kind of mortgage loan is generally fast. Your developer has been changing banks, indicating that the developer can't meet the requirements of the bank, or the application procedure is flawed. In order to cover up their mistakes, developers put the blame on banks. It is conceivable that developers can't collude with all banks. When most banks refuse this loan, what they consider is not the bank's responsibility, but whether the developer has problems.