You can return it.

If the mortgage fails, customers can choose to return a house, and then naturally they can find a real estate developer to apply for a refund of the previous down payment.

It's just that everyone needs to pay attention. If the reason why the mortgage can't be done comes from the customer, such as bad credit, then the customer needs to bear certain liability for breach of contract when checking out. At that time, the real estate developer may not return all the down payment of the house, and it is estimated that part of it will be deducted as liquidated damages.

Of course, if the mortgage can't be done because of the real estate developer's problems, such as incomplete documents, then the customer naturally doesn't have to bear the liability for breach of contract, and can ask the developer to refund the down payment of the house in full, or even ask the other party to pay a certain loss fee.

Therefore, if the first mortgage application fails, customers are advised to find out the reasons first. If it is not because the developer is not qualified to sell the house, in fact, you can try to re-apply, re-apply in another bank, and then supplement and improve the information and try to increase the down payment. You can also find a person with good credit as a guarantee, and maybe the mortgage will be handled smoothly.

What should I pay attention to when buying a house with mortgage loan:

1. Apply for the loan amount according to your own ability.

When applying, the borrower should make a correct judgment on his current economic strength and repayment ability, make a correct and objective prediction of his future income and expenditure, carefully determine the loan amount, loan term and repayment method, design the repayment plan according to his income level, and leave room appropriately.

2. Choose a good loan bank for mortgage.

The more services banks provide, the more detailed they are. You will get flexible and diverse personal financial services, as well as a rich service and product portfolio. For example, some banks have introduced a series of new measures, such as adjusting the loan term of borrowers, allowing borrowers to change things, changing real estate rights and so on.

3. Choose the repayment method that suits you best.

At present, there are basically two repayment methods for individual housing loans: equal repayment method and equal principal repayment method. The repayment method of equal repayment is adopted, and the repayment amount is unchanged (except for adjusting the interest rate), which is convenient for repayment, but more interest should be paid; Equal principal repayment, the monthly repayment amount is gradually decreasing.

The information provided to the bank should be true.

A true personal occupation, position and recent proof of economic income shall be provided. If you don't have enough ability to repay the loan, but exaggerate your income level, it is very likely that you will default at the initial stage of repayment, and it is confirmed by bank investigation that you have provided false certificates, which will affect yourself.

Can the previous application materials be returned after the loan of China Bank is approved for withdrawal?

The loan application was passed and later withdrawn, so the previous audit materials should be returned.

If the bank loan I signed is not completed, will the bank return the information signed by the lender?

Hello, there are many platforms to choose online loans. Compared with other lending methods, online lending platform is more convenient to apply for loans, but it is necessary to pay attention to choosing a formal platform to better protect personal interests and information security. At the same time, don't pay the pre-loan fee to avoid being cheated.

I recommend you to use Xiaoman Finance Money Flower, a credit service brand under Xiaoman Finance (formerly known as Baidu Money Flower). Big brands are reliable and trustworthy with low interest rates. Xiaoman Finance has the money to launch consumer credit products for individuals. The maximum loan amount is 200,000 yuan (click the official calculation), and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.

I want to share with you the application conditions of financial management: it is mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards. Please borrow money reasonably according to your own needs. The specific product-related information is subject to the actual page of Xiaoman Financial APP.

This answer is provided by Du Xiaoman Financial Money Flower. I hope this answer is helpful to you.