Legal analysis: those who do not meet the loan conditions can only apply in full, or let others apply for loans for themselves. The mortgage cannot be done because of the developer of 1; 2. The information provided by the purchaser is untrue or the credit record is bad, which leads to the bank not approving the loan; 3. If the loan cannot be obtained due to policy changes or bank regulations, the buyer shall negotiate with the developer to return the house.

Legal basis: Article 23 of the Supreme Court's Judicial Interpretation of Commercial Housing Sales Contracts stipulates that if the buyer pays by secured loan, and one party fails to conclude a secured loan contract for commercial housing, the other party may request to cancel the contract and compensate for the losses.