Legal analysis: the bank loan is an irresistible reason (except that the buyer does not have the loan qualification and the information is incomplete), and both parties to the transaction can negotiate to postpone the transfer time.

Legal basis: Measures for the Administration of Commercial Housing Sales Article 30 A real estate development enterprise shall deliver the commercial housing that meets the delivery conditions to the buyer on schedule in accordance with the contract. If the delivery is not made on schedule, the real estate development enterprise shall bear the liability for breach of contract. If the delivery needs to be postponed due to force majeure or other reasons agreed by the parties to the contract, the real estate development enterprise shall promptly inform the buyer.