The treatment of not being able to obtain a house purchase loan is as follows: because the buyer cannot obtain a loan, he should provide real loan information in time or repair bad records or find other commercial loans, and terminate the contract without approval and bear the corresponding liability for breach of contract; Because the seller can't get a loan, he can ask for a refund of the house price and deposit, and pay the corresponding interest and expected losses.

legal ground

Article 19 of the Interpretation on Several Issues Concerning the Application of Law in the Trial of Disputes over Commercial Housing Sales Contracts

As stipulated in the commercial housing sales contract, the buyer pays by secured loan. If one party fails to perform the commercial housing sales contract, the other party may request to cancel 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.