You can entrust a local reputable intermediary to handle it. They usually have local commercial banks that they often contact. This is the easiest way.

Question 1: The loan agreement failed and will definitely not take effect;

Question 2: Since you have signed a house sales contract with the developer, you can only return the house if both parties reach an agreement through consultation, or if one party fails to perform the contract or the court's judgment, except those who have not signed the contract;

Question 3: If you can't get a bank loan and can't perform the contract, the developer can cancel the contract.

Finally, I will add that I will not give extra points or affirmation when I ask questions in the future, so I will not answer these questions seriously.