Would like to ask if ever, refundable ba yung earnest money? We were the sellers, supposedly, we were targeting an x amount of appraised value then bank only approved up to a certain amount. The buyers are insisting to give them the full refund of the earnest money because of this, and is now threatening estafa? Is there a ground for this? And can they refund the full amount in the first place? We are already agreeing to return at the maximum 50% of their earnest money but the buyers are still insisting on a full refund.