No, you can get a loan after signing the house purchase agreement. The developer guarantees you. Don't wait for the real estate license to come down. All you have to do is put the real estate license directly in the bank and then repay the bank loan. When applying for a loan, you should hand over the money from the real estate license. The maintenance fund is paid at the time of closing the house, and the deed tax is paid at the time of real estate license.