Legal analysis: I paid a deposit and a down payment for buying a house, but I don't want to buy it because the loan can't be done. This is unacceptable. Because the sales contract is legal and valid, you can't terminate the contract just because the loan can't be done. If, after negotiation, the other party agrees to terminate the contract, the buyer shall bear certain liabilities for breach of contract and compensate the other party for its losses. Therefore, the down payment is definitely non-refundable, and part of the down payment can be refunded.

Legal basis: Article 586 of the Civil Code of People's Republic of China (PRC), the parties may agree that one party shall pay a deposit to the other party as a guarantee for the creditor's rights. The deposit contract is established when the deposit is actually paid. The amount of the deposit shall be agreed by the parties; However, it shall not exceed 20% of the subject matter of the main contract, and the excess shall not have the effect of deposit. If the actual amount of deposit paid is more than or less than the agreed amount, it shall be deemed as a change of the agreed amount of deposit.