Evergrande Lv Wencheng's house was not signed after the loan, and there was no down payment. What responsibilities should the owner bear?

A valid contract requires both parties to perform it according to the contract. Unilateral refusal to buy means that you don't want to perform the contract, which belongs to unilateral termination of the contract. According to the contract law, it is a breach of contract, and you have to bear the responsibility for breach of contract.

The liability for breach of contract can be calculated in the way agreed in the contract (for example, unilaterally dissolving the contract/not buying 10% of the total house price, or there is a deposit agreement, please refer to your own contract for details), or the deposit you paid can be confiscated, and the other one can be borne according to the actual losses caused to the other party.

In practice, the developer's contract content is relatively complete, and generally there is the first agreement. There are two kinds of liability for breach of contract that you may be involved in. One is to unilaterally terminate the house sales contract, and the other is to unilaterally terminate the loan contract with the bank. You can refer to the liability for breach of contract in the contract.