1. If you pay the down payment, you can check it. Take responsibility for breach of contract according to the situation, as follows:

(1) If the mortgage loan cannot be handled due to the developer's reasons, the buyer can ask the developer to refund the down payment and down payment, and ask the developer to pay the corresponding interest loss;

(2) If the bank refuses to approve the loan due to the buyer's reasons, it can also return the house, but the buyer shall bear the liability for breach of contract;

(3) If the bank's regulations change and the loan cannot be obtained, the buyer should negotiate with the developer to return the house. If the negotiation fails and no agreement is reached on the contract, they can sue for settlement.

2. Legal basis: Article 15 of the Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Disputes over Commercial Housing Sales Contracts.

If the period of real estate registration agreed in the commercial housing sales contract or Article 32 of the Regulations on the Administration of Urban Real Estate Development and Operation expires for more than one year, and the buyer cannot handle the real estate registration due to the seller's reasons, and the buyer requests to cancel the contract and compensate for the losses, it shall be supported.

2. Can I check out after signing the house purchase contract?

If you can return a house after signing the house purchase contract, you shall meet the following conditions:

1, five cards are incomplete. If the developer's five certificates are incomplete, the building under his name is illegal;

2. The developer delays the delivery of the house, and the real estate development project has a large amount, so the developer needs to postpone the delivery of the house;

3. There is something wrong with the quality of the house;

4. The error ratio of housing area exceeds 3%;

5. No mortgage loan was obtained;

6. I can't apply for real estate license.