If you don't pay the house without affecting the normal loan, usually the house property right can be mortgaged in the bank, and the loan can be made without paying the house.

Mortgage loan:

① The word "Mortgage" is a Cantonese transliteration of the English word "mortgage";

(2) refers to real estate and other physical assets or securities, contracts, etc. As collateral, obtain a bank loan and pay off the principal and interest in installments according to the contract. After the loan is paid off, the bank will return the collateral;

(3) Mortgage means that the mortgagor takes the mortgage beneficiary of property right transfer as the repayment guarantee, and after the mortgagor pays off the loan, the beneficiary immediately transfers the involved property right to the mortgagor;

④ In this process, the mortgagor enjoys the right to use the property.