Legal analysis: If one party can't get a loan, the other party can demand to cancel the contract and compensate for the losses. If the Contract for Commercial Housing Guaranteed Loan cannot be concluded due to reasons not attributable to both parties, the parties may request to terminate the contract, and the seller shall return the principal and interest or deposit of the purchased house price to the buyer.

Legal basis: Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Disputes over Commercial Housing Sales Contracts Article 19 The commercial housing sales contract stipulates that if the buyer fails to conclude a contract for secured loans for commercial housing due to one party, the other party may request to terminate the contract and compensate for the losses. If the commercial housing secured loan contract cannot be concluded due to reasons not attributable to both parties, and the commercial housing sales contract cannot be continued, the parties may request to terminate the contract, and the seller shall return the principal of the purchase price and its interest or deposit to the buyer.