(1) The mortgage can't be done, which is caused by the developer's reasons, such as the developer's incomplete procedures, which makes it impossible for the buyer to handle the mortgage and continue to perform the contract. In this case, property buyers can return a house without responsibility, and even ask the developer to compensate for their own losses.

(2) If it is because of the adjustment of the national loan policy, the restriction of the bank loan scale and other policy reasons, then this situation can't be blamed on developers or property buyers. If this happens, the buyer can also request to return the house and refund the down payment.

(3) If it is due to the buyer's own reasons, such as incomplete information provided, or the buyer's lack of repayment ability, the bank believes that the buyer does not meet the loan conditions, resulting in the inability to obtain a loan, and the buyer requests to cancel the purchase contract, the court generally does not support it. If this happens, buyers should renegotiate the payment with the developer or pay the house payment directly to the developer. If the house payment cannot be paid, the developer may require the buyer to bear the liability for breach of contract according to the contract.

Legal basis: Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Disputes over Commercial Housing Sales Contracts.

Article 19 As stipulated in the commercial housing sales contract, if the buyer fails to conclude the commercial housing secured loan contract due to one party's reasons, the other party may request to cancel the contract and compensate for the losses. If the commercial housing secured loan contract cannot be concluded due to reasons not attributable to both parties, and the commercial housing sales contract cannot be continued, the parties may request to terminate the contract, and the seller shall return the principal of the purchase price and its interest or deposit to the buyer.