When the bank makes a mortgage, it will give you a 30% discount on your property, which means you have to pay a 30% down payment. If the mortgage is risky, even if the property is auctioned at the original purchase price, the bank can recover the loan and interest, prosecution fee, auction fee, etc. However, it is suggested that you should actively contact the bank for resale when it is clear that you can't repay the loan, instead of taking the road of "prosecution-judgment-auction", so that your loss will be smaller and your personal credit record will not have a bad record. You know, if you have a bad credit record, you can't borrow money to buy a car or mortgage a registered company to buy a house in the future. The bank's credit record is connected with the real estate bureau, housing provident fund center, public security law, industry and commerce, endowment insurance, medical insurance and other institutions.