Whether the mortgage has not come down can be returned, need to be judged on a case-by-case basis. Generally speaking, if there is a clear withdrawal clause in the purchase contract and the conditions for withdrawal are met, then you can withdraw from the house. But if there is no clear exit clause in the purchase contract, or the exit conditions are not met, then the exit may face certain difficulties.

In the purchase contract, it is generally agreed that the buyer will apply for a loan within a certain period of time, and if the buyer fails to apply for a loan within the stipulated period of time, the buyer has the right to choose to withdraw from the house. However, it should be noted that the withdrawal may be deducted a certain amount of liquidated damages or other costs, the specific amount needs to be determined according to the contract.

Additionally, if the buyer has paid a deposit or down payment, he or she may face a loss when withdrawing from the property. Therefore, before purchasing a home, you should read the purchase contract carefully to understand the terms of the withdrawal and the relevant fees agreed upon, so that you can make an informed decision when you need to withdraw from the home.

In short, whether or not you can get out of a home before the mortgage comes down is a matter of judgment based on the specific terms of the purchase contract. Homebuyers are advised to read the terms of the contract carefully before purchasing a home and to consult with a professional or attorney when they encounter problems to ensure that their rights are protected.

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