1, the reason of the developer. When you buy a new house, many procedures are handled by the developer. If the developer fails to implement the mortgage bank and submit the mortgage loan materials in time, it will also make the bank mortgage loan impossible to handle. However, this situation is relatively rare. In order to make money by selling houses, no one wants customers' loans not to be processed.

2. Bank reasons. Although banks can now handle commercial loans, provident fund loans, portfolio loans and other loan methods, some banks do not like portfolio loans, with limited interest rates and complicated procedures.

3. The reason of the buyer. Most of the reasons why the loan cannot be processed are on the borrower, such as the borrower's failure to provide materials in time, or the materials provided are incomplete or false, which leads to the bank mortgage being unable to be processed; Personal income certificate, bank flow, etc. There is a problem and it does not meet the loan conditions of the bank; Lenders' personal credit problems, etc. Dissolve the contract through negotiation, and demand to refund the down payment and deposit, and bear the corresponding liquidated damages.