Legal analysis: the loan deposit will be refunded within 7 working days. After the borrower obtains the real estate license and completes the mortgage registration formalities with the bank as the mortgagee, the bank will return the corresponding deposit in the deposit account to the developer, and the developer will return it to the buyer within seven working days after receiving the payment.

Legal basis: Article 41 of People's Republic of China (PRC) Commercial Bank Law. No unit or individual may force commercial banks to issue loans or provide guarantees. Commercial banks have the right to refuse any unit or individual to force them to issue loans or provide guarantees.

Article 679 of the Civil Law states that a loan contract between natural persons is established when the lender provides a loan.

Article 680 of the Civil Code prohibits high-interest lending, and the lending rate shall not violate the relevant provisions of the state.

If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest.

If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.