I bought a house at the end of last year, the contract has been signed and the down payment has been paid. There is no news of the mortgage yet, and the landlord doesn't want to sell it. What should I do? You belong to a second-hand house. The focus of the problem is that the loan can't come down in time and the landlord doesn't want to wait. But you forgot that there is an intermediary company. He is charged, so he has to fulfill his obligations. He can't stay out of it, and he can't pass all the risks on to the buyer, that is, you.

Please take a closer look at your purchase contract and see if there are any clauses similar to the following. If there is, you have to negotiate with the other party. It is really impossible to negotiate, and there is no better way. Because it is similar to the following terms, it proves that you broke the contract first. Although this is beyond your control, there is really nothing you can do.

1. If the buyer cannot get a bank loan due to the change of loan policy, the buyer must complete the payment through other payment methods, otherwise it will be regarded as a breach of contract;

2. If the loan cannot be obtained due to the buyer's personal credit or inability to provide relevant credit documents, the buyer must complete the payment through other payment methods, otherwise it will be regarded as a breach of contract;

3. If the bank agrees to lend money, but the loan amount is lower than the application amount, the buyer must make up the balance or complete the payment by other payment methods, otherwise it will be regarded as a breach of contract;

4. If the bank requests to increase the down payment ratio, the buyer shall make up the balance within 15 days, otherwise it will be regarded as a breach of contract;

5. If the bank asks to raise the interest rate, the buyer should fulfill it as required, or complete the payment by other payment methods, otherwise it will be regarded as a breach of contract;

6, after the bank audit, request to increase the credit documents, property buyers must provide to the bank within 7 days, otherwise it will be regarded as a breach of contract;

7. If the property buyers can't get the provident fund due to the change of the provident fund policy, they must change it into a commercial mortgage within 15 days, or complete the payment through other payment methods, otherwise it will be regarded as a breach of contract.

If there are none of the above seven items, congratulations, you don't constitute a breach of contract, you can wait for the bank mortgage. Besides, you said earlier that neither of you agreed on a definite payment date. It's a loophole, but it's obviously good for you. "Contract Law" stipulates (4) If the time limit for performance is unclear, the debtor may perform at any time, and the creditor may also request performance at any time, but the other party shall be given necessary preparation time.

But you should also be careful not to believe what the intermediary and the other party say, sign any supplementary terms, don't sign this, it will be a breach of contract.

If the other party still urges you, you can euphemistically tell the other party that the bank loan is being approved, and you are very, very anxious. It's best to let the third party know your attitude towards this problem and prove that you are actively dealing with it instead of avoiding it. In this way, there will be no fault in the process of performing the contract again, and of course there will be no breach of contract, no breach of contract, and of course there will be no responsibility.