If you can't get a mortgage because of the developer, or because of policy reasons such as the adjustment of national loan policy and the limitation of bank loan scale, you can return a house; If it is due to the buyer's own reasons, such as incomplete information provided, or the buyer's lack of repayment ability, and the bank thinks that the buyer does not meet the loan conditions, which leads to the inability to apply for a loan, it is generally not allowed to return the house.

Legal objectivity:

Article 565 of the Civil Code of People's Republic of China (PRC): If one party claims to terminate the contract according to law, it shall notify the other party. When the notice reaches the other party, the contract is terminated; If the notice states that the debtor fails to perform the debt within a certain period of time, the contract will be automatically terminated. If the debtor fails to perform the debt within the time limit, the contract will be terminated at the expiration of the time limit specified in the notice. If the other party has any objection to the termination of the contract, either party may request a people's court or an arbitration institution to confirm the validity of the termination of the contract. If one party brings a lawsuit or applies for arbitration to claim the termination of the contract without notifying the other party, and the people's court or arbitration institution confirms this claim, the contract shall be terminated when the complaint or a copy of the arbitration application is served on the other party. Article 577 of the Civil Code of People's Republic of China (PRC), if one party fails to perform the contractual obligations or the performance of the contractual obligations does not conform to the agreement, it shall bear the liabilities for breach of contract such as continuing to perform, taking remedial measures or compensating for losses.