Can I cancel the contract if the bank mortgage is not approved after paying the down payment for buying a house?

1, delayed delivery. This phenomenon is more serious. Delayed delivery refers to the failure to get the developer's occupancy notice in time after the delivery date agreed in the contract between the developer and the buyer. Generally agreed overdue delivery period is 30 days to 90 days. If the developer can't deliver the house beyond this time limit, the purchaser can ask the developer to return the house, and ask for double refund of the deposit or payment of interest on the house payment.

2. The developer lacks valid certificates and approvals, which leads to the invalidity of the contract. According to the regulations, developers must have complete documents to sell houses in Gai Lou. If the developer's documents are incomplete, it is illegal to operate, and the contract signed with the buyer is invalid. Because it is an invalid contract, the purchaser should vacate the house and the developer should return the house payment paid by the purchaser.

The developer changed the design without the buyer's consent. In the contract signed between the purchaser and the developer, it is generally agreed that the developer must obtain the consent of the purchaser before changing the design. Otherwise, the developer constitutes a breach of contract and the purchaser has the right to return a house.

Extended data:

Division of property:

1. After marriage, a man and a woman buy real estate in the name of one or both parties, and the property right is registered in the name of the individual or both parties, and the mortgage loan is repaid by both parties after marriage.

As long as there is no special agreement between husband and wife, the property should be owned by the husband and wife, and the unpaid mortgage to the bank is a debt. Because according to the relevant provisions of China's marriage law, the property obtained during the existence of the relationship between husband and wife belongs to both husband and wife, unless the parties have agreed.

2. The property purchased by a man and a woman in the names of both parties after marriage is mortgaged in the name of one party, and the loan is repaid by one party, which shall also be regarded as the joint property of husband and wife. As long as the house acquired during the existence of husband and wife, whether there is any special agreement or not, whether it is registered in the names of both parties or one party, it belongs to the joint property of husband and wife.

Baidu Encyclopedia-mortgage to buy a house