After signing the house purchase contract and being unable to apply for a mortgage loan, you need to distinguish between the following situations:

① If the contract stipulates this, it shall be handled according to the agreement.

②If the contract does not stipulate that the property purchaser is responsible for the problem, he shall not be entitled to request the return of the deposit. If it is the seller's fault, the seller must return double the deposit.

The most likely reason for failure to get a loan is the home buyer's own fault. If the buyer cannot get a mortgage due to his own reasons, he cannot ask the developer to refund the deposit. However, if the developer's fault is the reason, double the deposit can be refunded. For example, if the developer fails to obtain a pre-sale license or sells an existing house that does not meet the conditions for use, if there is a problem with the developer, the developer can not only ask the developer to refund the deposit, but also get double the refund.

If the party who paid the deposit fails to perform the debt or performs the debt inconsistently with the agreement, resulting in the failure to realize the purpose of the contract, it has no right to request the return of the deposit. The party receiving the deposit fails to perform the debt or performs the debt inconsistently with the agreement, resulting in the failure to achieve the purpose. For contract purposes, double the deposit should be returned.