It has nothing to do with the seller, and the buyer is responsible for the loan failure. Usually it's a phone call from a bank or an intermediary. If you are not at ease, you can also go to the real estate trading center to inquire.

Second-hand housing mortgage refers to a loan that an individual pays a certain proportion of down payment when buying a house or commercial house that the seller has a real estate license and can trade in the market, and the rest is applied to the institution with the property to be purchased as collateral.

Applicable object: property buyers who have paid part of the house price but lack the ability to continue to pay the remaining house price.

Loan amount: 70% of the maximum housing loan amount.

Loan Term: The term of second-hand housing mortgage loan is generally not more than 20 years, and the sum of the service life and mortgage life of the property is not more than 30 years.

Loan interest rate: The loan interest rate, loans overdue interest rate and default interest rate shall be implemented in accordance with the relevant mortgage interest rate policies and management regulations of the People's Bank of China and the loan bank.