The house is rotten and the mortgage has not been paid. The borrower can investigate the developer's liability for breach of contract according to law, but he still has to bear the responsibility of repaying the principal and interest to the bank. If the borrower is unable to repay the loan, he can apply to the bank for extension or installment repayment.

Legal objectivity:

Article 674 of the Civil Code of People's Republic of China (PRC) stipulates that the borrower shall pay interest within the agreed time limit. Article 675 of the Civil Code of People's Republic of China (PRC) stipulates that the borrower shall repay the loan within the agreed time limit. Article 676 of the Civil Code of People's Republic of China (PRC) If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state. Article 678 of the Civil Code of People's Republic of China (PRC), the borrower may apply to the lender for extension before the repayment period expires; If the lender agrees, it can be extended. Article 680 of the Civil Code of People's Republic of China (PRC) prohibits high-interest lending, and the lending rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.