If the borrower applies for a mortgage, the bank says that the down payment cannot be paid through the mortgage because of problems, and the borrower can take specific measures according to the specific situation.

If it is because the salary provided by the borrower is not enough, the borrower can find ways to give income from other channels to prove that he has enough repayment ability. Of course, borrowers can also find ways to raise running water again. A large sum of money is regularly deposited in the bank card every month, and it can be used as self-storage flow if it is deposited for more than 6 months.

If the down payment provided by the borrower is an indirect relative transfer, the borrower needs to provide specific transfer instructions to the bank first, in which the word "loan" cannot appear, otherwise it will be easily recognized as a loan by the bank. Secondly, the borrower can provide the bank with the running records of the accounts of non-immediate relatives for half a year to prove that the funds were not obtained through informal channels.

If the bank still refuses to allow the borrower to apply for a mortgage, the borrower may also consider changing the bank that applied for the loan. Every bank has different qualifications for borrowers. If Bank A refuses to pass, Bank B may pass. Of course, it is suggested that borrowers should first understand the bank's mortgage quota and mortgage policy when choosing a loan application bank.

Can I get a refund if the down payment is paid and the loan is not approved?

Whether the down payment can be refunded or not depends on different situations:

1. If the bank is looking for it, for example, the loan is too tight, then the buyer can negotiate with the seller to terminate the house purchase contract, and the seller should unconditionally refund the down payment.

2. If the loan approval is affected by the buyer's own reasons, such as tainted credit record or insufficient repayment ability, the first thing to do is to find a solution, such as finding a guarantee company to guarantee or extending the repayment period.

If it still can't be solved, we can only cancel the purchase contract. In this case, the buyer needs to bear the liability for breach of contract, pay liquidated damages to the seller, and the seller should return the deposit.

Therefore, no matter what causes the loan to be impossible, the down payment on the house purchase can be refunded. The only difference is whether the buyer needs to pay liquidated damages.