Of course, there are several kinds of damages caused by natural disasters. The first situation is that the house and people are there, which means that the house is damaged but not serious, and the owner is not injured, so the owner needs to repair the house himself and continue to pay the mortgage. The second situation is that the house is gone but people are there, that is, the house is seriously damaged and can't be repaired, but the owner is not injured, so even if the house is gone, we must continue to pay the mortgage. In both cases, the owner did not suffer life injury in natural disasters.
There are three other situations in which the owner is killed in a natural disaster, which is another way to deal with it. For example, in the third case, houses and people are lost in natural disasters. In this case, the bank will cancel the loan. The fourth situation is that the house is here but people leave without heirs, that is to say, the house is not damaged in natural disasters, but the owner lost his life in natural disasters and there is no heir to inherit the house. At this time, the bank has the right to auction the house that has not paid off the mortgage, and the auction money belongs to the bank.
The fifth case is that the house is absent but there is an heir. The situation of the house and the owner is the same as the third case, but the heir can inherit the property. In this case, the heir inherits the ownership of the house according to law, but at the same time inherits the obligation to repay the mortgage.
Summarize the above situation, that is, the relationship between houses, lenders and banks and the ways to deal with it when natural disasters occur. To sum up, if only the house is damaged in natural disasters and people are fine, the loan must continue to be repaid. Of course, money is a foreign object, and the house is gone, but people are not injured. This is the greatest luck. ?