2. If the loan approval is affected by the buyer's own reasons, such as tainted credit record or insufficient repayment ability, the first thing to do is to find a solution, such as finding a guarantee company to guarantee or extending the repayment period. If it still can't be solved, we can only cancel the purchase contract. In this case, the buyer needs to bear the liability for breach of contract, pay liquidated damages to the seller, and the seller should return the deposit.
Therefore, no matter what causes the loan to be impossible, the down payment on the house purchase can be refunded. The only difference is whether the buyer needs to pay liquidated damages.
What should I pay attention to when buying an apartment to pay the down payment?
1, where there are problems with the house purchase contract, we must raise objections.
In the process of real estate transaction, the purchase contract is mostly provided by the developer, and it is inevitable that there will be some clauses that are not conducive to the buyers. Therefore, property buyers must raise objections in time when signing the purchase contract, and don't wait until they are in trouble in the future to know that they regret it and find that the down payment has been paid in vain.
2. Ensure that the five certificates of the house are complete.
If the five certificates of the house are incomplete, it is essentially an illegal building. Once buyers buy such a five-card house, they will be in trouble. Therefore, property buyers must check the five certificates before paying the down payment. If the developer says the certificate will come down soon, you should be careful. This is probably because the developer is fooling you, and maybe the certificate is in the foreseeable future.
3, oral commitment written into the contract
For the verbal commitment of developers, many property buyers are convinced that they were completely cheated by developers until they moved in. Therefore, before paying the down payment, buyers must record the verbal commitment of the developer and write it into the purchase contract.
4. The pool area is not clear.
For a 100 square meter house, the pool area is as high as 30 square meters, which is not a good thing for buyers. So when you pay the down payment, you must pay attention to the pool area, such as the size and location of the pool area. As long as the pool area is clear, you can feel at ease.
5. Check-out conditions are unclear.
Although the house can't be returned for seven days without reason, if the purchase contract can't be executed because of the developer, then the buyer should have the right to request a return. Therefore, when paying the down payment for buying a house, we must pay attention to the clear check-out conditions and don't let ourselves suffer big losses.