According to the relevant laws and regulations of our country, failure to lend is not a breach of contract. Handling loans means that banks review and issue loans according to the materials submitted by applicants. However, the issuance of loans will be affected by other factors. Therefore, if the purpose of the contract cannot be achieved due to force majeure, the buyer may request to terminate the contract, which is not a breach of contract.

Legal basis: Article 563 of the Civil Code of People's Republic of China (PRC).

In any of the following circumstances, the parties may terminate the contract:

(a) the purpose of the contract cannot be achieved due to force majeure;

(two) before the expiration of the time limit for performance, one party clearly indicated or indicated by his own behavior that he would not perform the main debt;

(three) one party delays the performance of the main debt and fails to perform it within a reasonable period after being urged;

(4) One of the parties delays the performance of debts or commits other breach of contract, which makes it impossible to achieve the purpose of the contract;

(5) Other circumstances stipulated by law.

For an indefinite contract whose content is to continue to perform debts, the parties may terminate the contract at any time, but they shall notify the other party before a reasonable time limit.