After the real estate transaction, the buyer has mortgaged and the bank will not lend money. First, find out if you can't get a loan for your own reasons. Secondly, the loan bank is the cooperative unit that the developer is looking for. If it is really not your credit problem, you should consider whether some relevant policies of the bank are changing. Ask the bank staff. There are many reasons why banks don't lend money: 1. If the bank's lending slows down because of the credit policy, it is a force majeure factor and will only be released after the bank has a loan quota; 2. If the bank refuses to lend money due to improper operation of the buyer and seller or the intermediary company, it is a contract breach, and the defaulting party shall bear the liability for breach of contract according to the contract. According to Article 23 of the Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Disputes over Commercial Housing Sales Contracts, the commercial housing sales contract stipulates that if the buyer fails to conclude a secured loan contract for commercial housing due to the reasons of one party, the other party may request to terminate the contract and compensate for the losses. If the commercial housing secured loan contract cannot be concluded due to reasons not attributable to both parties, and the commercial housing sales contract cannot be continued, the parties may request to terminate the contract, and the seller shall return the principal of the purchase price and its interest or deposit to the buyer. & ltbr/>；