买房贷款下不来首付能退吗？·-乐居买房指南

<!DOCTYPE html> <html lang="zh"> <head> <meta charset="UTF-8"> <meta name="viewport" content="width=device-width, initial-scale=1.0, maximum-scale=1.0, user-scalable=0, minimal-ui"> <meta name="format-detection" content="telephone=yes" /> <meta name="applicable-device" content="mobile"> <title>买房贷款下不来首付能退吗？·-乐居买房指南</title> <meta name="Keywords" content="买房贷款下不来首付能退吗？·" /> <meta name="Description" content=" 相信不少购房者有过这样的经历，在购买房产的时候，贷款买房时被拒了，购房者的贷款没能批下来。那么首付款是否能被退回来呢？首付款是能被退回来" /> <script type="text/javascript" src="//res.leju.com/resources/app/touch/leju/v6/js/index.js"></script> <script src="//cdn.leju.com/sso/sso.js "></script> <link rel="stylesheet" href="//res.leju.com/resources/app/touch/leju/v6/styles/styles.css"> <link rel="stylesheet" href="//res.leju.com/assets/app/leju-baike/v1/baike.css"> <link rel="stylesheet" href="//res.leju.com/resources/comment-fe/default/v1/css/comment-dsp.css"> <script> var _hmt = _hmt || []; (function () { var hm = document.createElement("script"); 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class="info "> <span class="l "><a href="# ">乐居</a>2021-11-12 16:00:04</span> </div> <div class="con "> <p style="text-indent: 0px; text-align: left;"> 相信不少购房者有过这样的经历，在购买房产的时候，贷款买房时被拒了，购房者的贷款没能批下来。那么首付款是否能被退回来呢？首付款是能被退回来的，但购房者能否获得全额退款，就要取决于实际的购房合同了。在审理合同纠纷时法院一般会优先适用合同中的约定。合同中对贷款不批的违约责任由谁承担的规定是最重要的依据。如果没有约定或者约定不明，按照下面的原则处理：</p><p style="text-indent: 0px; text-align: left;"> <strong>1、开发商的原因：</strong></p><p style="text-indent: 0px; text-align: left;"> 如果开发商销售未具备销售条件的房屋，即开发商未取得预售许可证或销售不具备使用条件的现房，银行审查时发现这种情况是不会批贷款的。此时购房者可要求开发商退还首付及定金，并要求开发商支付相应的利息损失。</p><p style="text-indent: 0px; text-align: left;"> <strong>2、购房者的原因：</strong></p><p style="text-indent: 0px; text-align: left;"> 如果购房者提供的资料不真实或者购房者的信用记录不好造成银行不予批准贷款，购房者应该承担违约责任。</p><p style="text-indent: 0px; text-align: left;"> <strong>3、非买卖双方的原因：</strong></p><p style="text-indent: 0px; text-align: left;"> 如果政府的政策或者银行的规定发生变化导致购房者本应拿到的贷款不能实现，购房者应与开发商协商，协商不成合同上又没有约定的。购房者可以起诉并举证自己没有过错并确实无力购房，要求开发商发还首付及定金。</p> </div> </div> </div>  <div 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"data-lejutj-event-name=\"touch_xzapp_click\" data-lejutj-event-params='{\"bid\":\"4\",\"city_en\":\"bj\",\"level1_page\":\"news\",\"level2_page\":\"new_info\",\"custom_id\":\"6867325046726375421\",\"hid\":\"\",\"tel1\":\"\",\"tel2\":\"\",\"loc_source\":\"hengqie\",\"news_source\":\"\",\"news_origin\":\"\",\"is_login\":\"\",\"pagetype\":\"\"}'", //打开APP-横切 } //各种来源数据 var QQBrowser_source = { //1.无优惠和活动的时默认留咨 2.居里咨询师留咨（评论） level_source: "", liuzi_addConsult: "", //置业顾问-动态留咨 liuzi_addDongtai: "", //400电话标识位 phone_400_bs: "8", //订阅功能 subsource: "", //关注 follow_subsource: "", //im localsource: "", //400电话和置业顾问接口传参数是否是eju专题的数据 is_eju: "", } </script> <script type="text/javascript " src="//res.leju.com/scripts/libs/zepto/v1/zepto.js "></script> <script> var apiconfig = { city: "www", } var pageConfig = {} var comment = {} </script>  <script type="text/javascript" src="//res.leju.com/assets/modules/lejushare/v4/lejushare.js"></script> <script src='//res.leju.com/assets/app/comment-fe/v4/comment.js'></script> <script type="text/javascript" src="//res.leju.com/assets/app/leju-baike/v1/lejubaike.js"></script> <script type="text/javascript" src="//res.leju.com/assets/app/leju-baike/v1/new.js"></script> <script type="text/javascript" src="//cdn-zb.leju.com/js/lejuplayer_2.1.0.min.js"></script> <script type="text/javascript" src="//res.leju.com/assets/modules/cardgroup/v1/cardgroup.js"></script> <script> var swiper1 = new Swiper('#swiper1', { autoplay: 2000, direction: 'horizontal', loop: true, //分页器 pagination: '.swiper-pagination', paginationType: 'bullets', paginationClickable: true, paginationElement: 'a', }); var swiper4 = new Swiper('#swiper4', { slidesPerView: 'auto' }); // var qrcode = new QRCode(document.getElementById("qrcode"), { // width: 140, // height: 140 // }); // let url = 'http://www.runoob.com'; // qrcode.makeCode(url); </script> <script type="text/javascript" src="https://cdn-zb.leju.com/statistics/prod/index.umd.min.js"></script> <script> window.pageDetail = { app_key: 'B1EA267245F996D9',//见如上说明，必传 sdk_key: 'B1EA267245F996D9',//见如上说明，必传 loc_province: '',//传页面城市的省份 loc_city: 'www',//传页面城市，区分城市的页面必传 cityen: 'www',//传页面cityen值 citypub: 'www',//传页面citypub值，区分城市的页面必传 uid: '',//传登录用户的乐居用户系统的uid，登录用户必传 custom_id: '6867325046726375421',//传页面custom_id值 long: '',//传页面定位的经度 lat: '',//传页面定位的纬度 }; var new_tongji_config = { page: [ { pageId: 0, pageUrl: window.location.origin + window.location.pathname, isAuto: 1, elementType: ['button', 'img', 'a', 'span', 'em', 'h1', 'h2', 'h3', 'h4', 'i'], defaultElementType: ['button', 'img', 'a', 'span', 'em', 'h1', 'h2', 'h3', 'h4', 'i'], customize: [], }, ], }; window.onload = function () { window.record.init({ app_id: window.pageDetail.app_key, uid: window.pageDetail.uid, dev: 'pre', //测试环境用dev，正式环境用pre config: new_tongji_config, }); }; </script> </body> </html>

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