The title has lent a loan, so the premise is that the company has agreed to mortgage the property. As the mortgage is authorized, the individual is the first source of repayment. If an individual loses the ability to repay, the bank will sue the individual and demand the auction of company property to repay the loan. Generally, if the property is recovered, it can cover the principal and interest of the loan and the penalty interest, because the time for calculating the limit is less than 80% of the property value.