Legal analysis: if you don't go through the loan procedures, you can only refund the down payment at the developer, not at the bank. See if there are any breach clauses in the original contract, and if there are liquidated damages, you can return them.

Legal basis: Article 54 of People's Republic of China (PRC) Insurance Law. Before the insurance liability begins, if the applicant requests to terminate the contract, he shall pay the handling fee to the insurer in accordance with the contract, and the insurer shall refund the insurance premium. After the commencement of insurance liability, if the applicant requests to terminate the contract, the insurer shall, in accordance with the contract, deduct the receivable part of the insurance premium collected from the commencement of insurance liability to the termination of the contract and return it to the applicant.