Legal analysis: 1. The general housing loan should be repaid by the applicant, but if the developer breaches the contract, the applicant can claim compensation separately: (1) Although the mortgage loan contract is based on the effective establishment of the commercial housing sales contract, there is a loan relationship between the buyer and the loan bank; (2) It is a buying and selling relationship with the developer. Although they are related, they are completely independent legal relations (the parties to the contract are different). 2. If the applicant fails to fulfill the repayment obligation, the borrower may bring a lawsuit to the people's court where the house is located, demanding the parties to repay the arrears. After a court decision, if the debtor fails to perform the obligation to repay the arrears, the creditor may apply to the people's court for enforcement;

Legal basis: Civil Code of People's Republic of China (PRC).

Article 577 Where a party fails to perform its contractual obligations or fails to perform its contractual obligations in conformity with the contract, it shall be liable for breach of contract such as continuing to perform, taking remedial measures or compensating for losses.

Article 578 Where a party expressly expresses or shows by his own behavior that he will not perform his contractual obligations, the other party may require him to bear the liability for breach of contract before the time limit for performance expires.

Article 579 If one party fails to pay the price, remuneration, rent or interest, or fails to perform other monetary obligations, the other party may demand payment.

Article 584 Where a party fails to perform its contractual obligations or fails to perform its contractual obligations in conformity with the contract, thus causing losses to the other party, the amount of damages shall be equivalent to the losses caused by the breach of the contract, including the benefits that can be obtained after the performance of the contract; However, it shall not exceed the losses that the breaching party foresaw or should have foreseen when concluding the contract.