Legal analysis: if the house bought by loan is to be demolished, you can choose monetary compensation or property right exchange. If the mortgaged house chooses monetary compensation in the process of demolition, it may renegotiate with the mortgagee to re-set the mortgage or claim to pay off the debt. If no agreement can be reached with the mortgagee, the mortgagee may notify the person to be demolished not to pay the compensation fee temporarily. If the mortgaged house chooses the way of property right exchange in the process of demolition, it can re-sign the mortgage contract and re-register the mortgage on the house after property right exchange as collateral and mortgage. If no agreement can be reached on re-mortgage, the mortgagee may notify the demolished person to temporarily stop signing the resettlement compensation agreement.

Legal basis: 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. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time. Article 677 Where the borrower repays the loan in advance, unless otherwise agreed by the parties, the interest shall be calculated according to the actual loan period.