But it should be noted that some real estate developers may not return the deposit on the grounds of "deposit".
After all, the deposit is the guarantee of creditor's rights, and returning a house will be regarded as a breach of contract. Since the purpose of the contract cannot be achieved, there is no right to demand return.
The deposit, on the other hand, is equivalent to the delivery of advance payment and does not have the guarantee nature of debt.
If the contract cannot be performed normally, the deposit can be returned in the original amount.
It is precisely because of this that we must pay careful attention when signing the contract and make sure that it is a "deposit" rather than a "deposit".
Also, it should be noted that even if the previous down payment can be refunded, some real estate developers may charge a certain amount of liquidated damages, and then deduct a part from the refunded down payment, that is to say, the down payment may not be fully refunded.
Unless the problem of refusing mortgage is not on you, in this case, it is no problem to choose to check out.
If the problem lies with the real estate developer, such as incomplete documents, you can not only pay back the money, but also ask the other party to pay a certain loss fee.
Most people will leave traces of inquiry when using the credit records of the central bank, which is unfavorable for lending friends, and most online loans do not seek credit, and no specific online loan information can be found, but now you can learn your personal data through "balloon inquiry". Without inquiry records, you can also learn more about overdue information of online loans, application records, untrustworthy information, blacklists and other information.
Extended data:
Can I make a mortgage with good personal credit?
If your personal credit is good, you can try to apply for a mortgage loan.
However, it should be noted that it is not only credit that can successfully handle mortgages.
In addition to the credit factor, we must also ensure the following:
1, with a stable and legal source of economic income and the ability to repay the loan principal and interest on time;
2. The mortgaged house or vehicle has sufficient value space.
Pay attention to preparing as much information as possible about economic income when applying. If you are worried about your general credit, you can also find a person with good credit to guarantee your loan and increase the chances of loan approval.
It should also be noted that in the process of loan approval, banks mainly check their credit records in the past two years to understand their credit status, so at least ensure that their credit records have no bad information for two years.
If the requirements are strict, it is best that there is no bad record in the credit report in the last five years.