Legal analysis: If the house purchase loan cannot be approved, the deposit can be refunded. There are many factors that affect mortgage, such as developers, individuals, banks and so on. If the loan is not approved due to the developer's failure to obtain the pre-sale permit or the sale of an existing house that does not meet the use conditions, the buyer may ask the developer to refund the down payment and its deposit. If the buyers have problems, they can still apply for check-out. If it causes losses to the developer, it also needs to pay the corresponding liquidated damages.

Legal basis: Article 588 of the Civil Code of People's Republic of China (PRC) stipulates both liquidated damages and deposit. If one party breaches the contract, the other party may choose to apply the provisions of liquidated damages or deposit. If the deposit is not enough to make up for the losses caused by one party's breach of contract, the other party may demand compensation for the losses exceeding the deposit amount. "Measures for the Administration of Commercial Housing Sales" Article 3 The sale of commercial housing includes the spot sale of commercial housing and the pre-sale of commercial housing. The term "spot sale of commercial housing" as mentioned in these Measures refers to the act that a real estate development enterprise sells a commercial housing that has passed the completion acceptance to a buyer, and the buyer pays the house price. The term "pre-sale of commercial housing" as mentioned in these Measures refers to the act of real estate development enterprises selling commercial housing under construction to the buyer in advance, and the buyer pays the deposit or house price.