After paying the down payment for buying a house, you cannot refund it at will. If you refund the down payment unilaterally, then this is your own breach of contract and you need to compensate for 20% of the total transaction price of the house as liquidated damages. However, if some special circumstances occur, the owner can ask the other party to return the down payment. For example, if the developer delivers the house late or the quality of the house after delivery does not meet the agreed standards in the contract, or if the developer cannot get the down payment as agreed. If the house ownership certificate is obtained, the owner can request to check out, in which case the down payment can be refunded.

Is it better to pay more or less for the down payment when buying a house? 1. If you are buying a house for your family to live in, you can pay more for the down payment if you have enough financial ability, which can reduce the interest. expenditure.

2. If there is a better investment method, the down payment can be smaller, as long as it reaches the ratio specified by the lending bank.

3. If a young person has just started working and does not have much savings, but the job is relatively stable and the income will gradually increase, he can pay a smaller down payment and leave some money for other aspects. If the job is not It is very reliable. When you have sufficient funds, you can pay more down payment to reduce the burden of monthly payments.

What should I do if I can’t get a loan after paying the down payment for buying a house? After paying the down payment for buying a house, if the loan cannot be obtained, you should first go to the bank to inquire about the specific reasons. If it is because you do not meet the loan conditions, you can try another bank with a looser loan policy or you can find a guarantee company. . If that doesn't work, you can reapply for a loan in the name of your spouse or parents.

The above is about the issue of whether the down payment for buying a house can be refunded. If it is a unilateral breach of contract, it will be more troublesome to refund the down payment, but if the developer breaches the contract, then the money will be refunded. You can just withdraw.