Not sure about KBC but from experience with another bank sometimes if there was a late change to the type of loan the customer wanted, say original loan offer was variable and then they decided they wanted fixed, a new loan offer would be issued with the funds directly to solicitor so as not to delay the issue of cheque further. Customers would then sign the new loan offer in the solicitors office while signing the rest of the docs before release of cheque. The original loan offer issued may not be the one that was eventually used.