First, if you agree with the other party that the loan will be repaid, it is not a breach of contract. If you don't agree, it is a breach of contract. But under normal circumstances, the other party should not be so difficult.

Second, you should be able to get a 15% discount, but if you can't get it, you have to rely on the contract because it improves the service.

Third, if the approved loan amount is not enough, but it is unlikely, if so, you can refuse, because the loan amount is not enough, and you can't finish what you want to do. It is the same with a loan or no loan. Of course, you can also make an appointment with each other and think of other ways.

Besides, you think too much. Generally, you have declared the loan amount, and the bank will approve it if it can, not just half.