Everyone who bought a house knows that you have to pay a down payment first, then sign a contract, and then go to the bank to apply for a loan. As for whether you can get a loan, it's hard to say. If the loan is not approved, you have to pay a down payment.

1. The mortgage loan was not approved for personal reasons: generally speaking, buying a house or getting a loan depends on personal credit history, asset status, work income, bank flow, etc. If the information is not enough, you can add it at any time. If your personal information does not meet the requirements of bank loans, you can go to other banks for loans, but you have tried several times and failed to get a loan, so you have to pay for it yourself.

It stands to reason that if the house is not approved, it can be returned in whole or in part, because it cannot be sold to others for personal reasons.

2. Non-personal mortgage loans are not approved: take developers as an example. Developers are generally looking for loans from cooperative banks, which is convenient and can increase the success rate of buying houses. In case the bank finds that the developer's procedures and documents are incomplete or the project development has problems, the buyers will not pass.

Therefore, the down payment paid by individuals should be returned in full, which is caused by personal reasons. If the developer refuses to refund, it can be mediated through the court.

In the commercial housing sales contract, the buyer pays by way of mortgage loan, but if one party cannot sign the commercial housing mortgage contract, so that the contract cannot be continued, the other party may request to terminate the contract and compensate for the losses.

If the commercial housing sales contract cannot be continued due to reasons not attributable to both parties, the buyer may request to terminate the contract, and the seller shall return all the price, interest and deposit received to the buyer.