According to the information you provided, if you have bought a second-hand house and paid the down payment, but the bank loan has not been approved, you usually need to wait until the bank loan is approved and the house transfer formalities are completed before asking the owner to move out.

You are not the legal owner of the house until the bank loan is approved, so you can't ask the owner to move out. Once the bank loan is approved and the house transfer formalities are completed, you will become the legal owner of the house, and you can ask the owner to move out according to the contract.

However, before asking the owner to move out, you should negotiate with the owner and inform them of your request. During the negotiation, you can discuss the details of house handover and demolition with the owner to ensure that both parties reach an agreement and avoid unnecessary disputes.

It should be noted that when buying a second-hand house, you should read the terms of the contract carefully to understand the specific process and timetable of house transfer and payment. If you are in doubt or uncertain about anything, you should seek help and advice from professionals or real estate agents.