Legal analysis: the mortgage continues to be repaid. After the loan is issued, any dispute between the borrower or mortgagor and the seller or other third parties on the quality, price, ownership, conditions or other matters of the property has nothing to do with the lender, and the lender has the right to choose to continue to perform this contract or require the borrower to repay all or part of the loan under this contract in advance. Because there are fewer buyers who buy real estate at one time, most of them are mortgaged or phased, so the house they buy becomes an unfinished building, and there is a problem of property ownership. Therefore, we must safeguard our legitimate rights and interests through legal channels. First of all, you need to go through legal legal consultation to determine your ownership of property rights, and buyers can still ask the housing management department to apply for real estate licenses according to procedures. Property buyers should check with the administrative department for industry and commerce whether the commercial housing development enterprises have publicized according to legal procedures. If it has been legally published, the buyer can request to apply for the real estate license in the housing management department with the proof issued by the industrial and commercial department and the original commercial housing sales contract, personal ID card and other materials that need to be issued by the buyer in the process of licensing. After verification, the housing management part will be dealt with.

Legal basis: Paragraph 2 of Article 21 of the Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Disputes over Commercial Housing Sales Contracts. If the Commodity House Purchase and Sales Contract is confirmed invalid or cancelled or dissolved, and the Commodity House Guaranteed Loan Contract is also dissolved, the seller shall return the principal and interest of the house purchase loan and the purchased house price to the guarantor and the buyer respectively.