Excuse me: I signed a new car sales contract and paid a deposit of 10000 yuan. However, due to the failure of the loan application of the 4S shop, the car could not be taken out. Can the deposit be refunded? In the process of buying a car, the deposit paid failed to apply for a loan, and the transaction could not be completed. Distinguish between the following situations:

1. If the consumer cannot apply for a loan due to personal reasons (such as bad credit record), it is the consumer's responsibility that the transaction cannot be concluded, and the deposit will not be refunded.

2. If the loan cannot be processed due to the operator's reasons (unable to provide relevant vouchers, etc.). ), it is the responsibility of the operator that the transaction cannot be reached, and the operator shall double the deposit.