2. If there is no agreement in the contract, if it is caused by the responsibility of the purchaser, there is no right to demand the return of the deposit; If it is the seller's responsibility, the seller should double the deposit.
Return the deposit, buy a house deposit
How can I continue to buy a house without a loan?
1. Try another bank:
The rules of each lending bank are different. If the bank that buyers apply for loans for the first time is strict, they can consider changing to a bank with a looser loan policy. The success of buying a house with a loan has a lot to do with the bank. Maybe you can live in another bank. If you buy a new house, the general developer can help you when you encounter such problems. After all, you haven't paid the final payment of the house, and the developers are estimated to be in a hurry, and the channels for developers are wider.
2. Find a way to make up the loan:
In fact, when you encounter the situation that the loan can't be done, the first thing you need to know is what the reason is, so that you won't be rejected when you apply for a loan again. There must be a reason why the loan can't be approved, so buyers should first confirm with the bank why the loan can't be approved. It may be because of bank regulations or loan information. If it's just a matter of information, you can ask the bank to see if you can re-prepare the submission.
3. Find a guarantee company:
At present, there are some guarantee companies that can provide services for property buyers who cannot apply for bank loans, but it is also risky to find a guarantee company. If you really meet your favorite house and abandon it in other ways, it is really irreparable. At this time, looking for a guarantee company can also help you solve the problem. However, the guarantee company will generate a lot of extra expenses, including handling fees, guarantee fees, interest fees and so on. And there are certain risks.
What is a house purchase deposit?
The so-called deposit refers to the money or its substitute paid by one party to the other party in advance according to a certain proportion (not exceeding 20%) of the contract amount when the contract is concluded or before the performance according to the law or the agreement of both parties. It is a certain amount of money as the guarantee of creditor's rights, which belongs to the legal guarantee mode, and aims to urge the debtor to perform his debts and ensure the realization of creditor's rights.