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The down payment was paid because the credit could not pass. Can a bank ask for a refund if it doesn't lend money?
Of course.

Buying a house is not good, and the down payment can be refunded. If it is due to the property buyers, the parties may request to terminate the contract, and the breach of contract requires payment of liquidated damages in accordance with the contract.

In the actual sale of houses, unless the contract clearly stipulates, the down payment cannot be used as down payment and liquidated damages, that is to say, if the house has no credit, the down payment can be refunded.