If you buy a house illegally, the responsibility will be borne by the developer, and the mortgage loan needs to be repaid as usual, but the loss can be borne by the developer. The specific proportion and amount of compensation shall be stipulated by the relevant government. You can contact the local management department for confirmation, and then contact the developer to apply for a claim.

When applying for a mortgage loan, it is necessary to confirm whether the property rights are complete and whether there is bank support, and then apply for a loan, which can effectively avoid risks. Mortgage loan can refer to the following process:

Before applying for a loan, the borrower should find out whether the purchased building has a letter of commitment issued by the bank to provide personal housing mortgage loans. Then, the borrower applies for personal housing mortgage loan, fills in the loan application approval form, and submits the original and photocopy of relevant materials (down payment certificate, sales contract, ID card, proof of economic income source, etc.). ) to the loan bank;

Developer: As the loan guarantor, sign and seal the "Guarantor's Opinion" column of the loan application approval form;

Loan bank: the bank staff will review all the materials and documents submitted by the loan applicant and approve them step by step;

The loan bank takes back the completed materials and issues loans according to the legally effective loan contract;

Land and Resources Bureau Property Right Registration Notary Office: handle the registration formalities of property right mortgage;

Notify the developer to recover the loan contract, and the developer will issue a certificate of payment to the lending institution;

Notify the borrower to take back the loan contract, iou and insurance policy;

The bank staff of the loan bank will file the loan file.