I mortgaged a house in our property on 20 10, with a down payment of 10000, leaving a mortgage of 2 10000. At that time, the developer said yes, I paid the down payment!

First: check whether this company is operating normally. Not signing the contract is your biggest defect and regret. But you must have a receipt. And check the original agreement. It is impossible to pay you nothing.

Second, consult the bank's own credit problems in detail and implement the loan problem. Whether you can solve it yourself.

Third: if the loan cannot be made due to irresistible factors such as national policies, it can only be refunded. But the refund is about which company to negotiate with. Your refund amount should be the price of the house. For example, before buying a house, the total price was 3 1 10,000. Your ratio is 10:3 1. Please also ask the appraisal company to evaluate the current house price. Multiply the current house price by your original purchase ratio, which is the refund you should get.

Fourth: you can contact the buyer who bought the property with you. You are definitely not the only one. If negotiation fails, you can appeal to the local management unit. The existing laws are sound. We should use laws to safeguard our legitimate rights and interests.