1. Under normal circumstances, the buyer refuses to bear the liability for compensation on the grounds that the time of bank lending is out of his control, and they have already delivered other warrants to the bank for loan procedures as agreed, and the delay in bank lending is not their own fault. Under normal circumstances, the court will reject the seller's claim for the buyer's liability for breach of contract on this ground. Banks are exempted from liability on the grounds of "contract relativity", that is, there is no contractual relationship between banks and sellers, and the contract between banks and buyers does not stipulate the time of lending and the exemption clauses in some loan contracts.

2. First, the liability for breach of contract is not based on fault, that is to say, no matter what reason the buyer has, if he fails to pay the final payment of the house price according to the time agreed in the contract, it will constitute a breach of contract, but if the buyer defaults due to force majeure, he can be exempted from the liability for breach of contract.

Therefore, according to Article 107 of the Contract Law, if the buyer delays the payment of the house payment due to the bank's delay in issuing loans, it has already constituted a breach of contract and should bear the liability for breach of contract. Second, the contract is relative. The parties to a house sales contract are the buyer and the seller, and there is no contractual relationship between the bank and the seller. The house sales contract is a two-way contract. The buyer's main contractual obligation is to pay the house price, and the seller's main contractual obligation is to transfer the ownership and hand over the house. The so-called bank lending money directly to the seller is only a way for the buyer to pay the house price, and it does not change the basic legal relationship between the buyer and the seller.

3. According to Article 65 of the Contract Law: "If the parties agree that the third party shall perform the debt to the creditor, and the third party fails to perform the debt or the performance is not in conformity with the agreement, the debtor shall bear the liability for breach of contract to the creditor". If the bank fails to perform the house payment debt or the performance of the house payment debt does not conform to the stipulations of the house sales contract, the buyer shall be liable for breach of contract to the seller. The above is the answer to this question.