Legal analysis: The reason for not lending is that the lending quota of all banks has decreased this year. This is not a problem for banks, but for many banks. This situation belongs to policy reasons, and I don't think it belongs to one party's breach of contract. Because the house has been transferred, we can only wait for the loan. Applying for a loan is just a way of payment. You should look at the payment terms in your house purchase contract. If the payment conditions permit, you can apply for a loan to buy a house after the contract period exceeds half a year. It's getting harder and harder to sell a house now, and developers may be willing to wait for you to apply for a provident fund loan.

Legal basis: Article 143 of the Civil Code of People's Republic of China (PRC) meets the following conditions: (1) The actor has corresponding capacity for civil conduct; (2) The will is true; (three) does not violate the mandatory provisions of laws and administrative regulations, and does not violate public order and good customs.