Legal analysis: Yes. 1, after signing a contract to buy a house, if the bank loan is for the developer's operation. Then if the loan is not approved because of the developer, the buyer can directly ask the developer to refund the down payment in full, and the buyer does not have to bear the responsibility.

2. If the buyer signs a contract with the developer, the contract stipulates that the buyer is responsible for the loan. If the mortgage fails, you can also directly ask for a refund of the down payment, and the developer has no reason to refuse to return it.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.