Ordinary real estate developers will let you go to other banks for loans first, but if the loan can't be approved, it depends on what reason you won't approve it. If it is because of your ability to pay, you will generally be asked to extend the repayment period.

At present, the whole trend is that banks are tightening, so lending will be slow. And you paid the down payment, signed a loan contract, and if the loan amount is insufficient, it is generally necessary to make up in cash. Generally, it won't be because of your own credit or uneven materials, so it's rare that you can't approve it, so you should make adequate preparations in advance.

2. If you want to refund the down payment, you need to negotiate in advance.

If you are really worried about returning the down payment, you can only negotiate with your family, mainly in the hope that you can cancel the contract, so as not to breach the contract and bear any responsibilities and compensation. If the last family doesn't want to, just agree on the compensation slightly, depending on how you negotiate.

Before signing a sales contract, you should negotiate with your family. If the bank is slow to lend money because it has no money, it is not a breach of contract. And if it is because of your own credit problems, then you have to bear the responsibility for breach of contract. Because the current bank funds are relatively tight, the lending of commercial loans is relatively slow, while the lending of provident fund loans is quite fast.

Third, try to pay in one lump sum

Try to pay in one lump sum, because if the loan cannot be made for personal reasons, it is necessary to compensate the homeowner for liquidated damages. It's an intermediary company because you may have bought a house through an intermediary company and didn't know your information in the early stage. If it is due to national policy, we can negotiate with the owner for compensation. Moreover, when signing the sales contract, we should indicate as far as possible that the contract will be terminated automatically if the loan cannot be obtained due to policy or personal reasons.