If the house bought with the loan is washed away by the flood, it is indeed a very unfortunate thing. However, after this happens, the house loan should still be repaid on time. Because we have a loan relationship with the bank, and the house that signed the loan contract with the bank at that time was only the collateral mortgaged to the bank, so the collateral has been washed away by the flood, but the loan relationship with the bank still exists, so the money still needs to be paid back.

Many people may not be particularly familiar with this. Frankly speaking, we borrowed money from the bank, which was our creditor at that time. When we bought a house, the bank paid for us, so we were able to get the house. Now the house has been washed away by the flood, but the money we owe to the bank has not decreased. When the house was washed away by the flood, the bank lost only a guarantee, but that doesn't mean we don't have to pay our debts.

However, some people may buy insurance for their houses. In this case, we can ask the insurance company for compensation. After all, the flood washed away the house, which means that our property suffered losses. At this point, the insurance company has the responsibility and obligation to make claims. If you can get this claim, your financial pressure will be relieved a lot.

And generally speaking, the government will take some rescue measures, such as giving some corresponding subsidies to the affected people. Although these subsidies can't completely offset the bank loans, they can at least reduce the losses of the affected people. If there are some special circumstances that do not need to be returned before the catastrophic disaster. For example, during the Wenchuan earthquake, the CBRC issued relevant notices, requiring borrowers to write off the losses caused by the earthquake, and they could not get insurance compensation, so they should write them off in time, so it depends on the actual situation.