There is such a misunderstanding: after checking out, the ownership of the house has returned to the seller (usually the developer), so the repayment responsibility of the bank loan should be borne by the original seller. In fact, the house sales contract and the bank loan contract are two independent contracts. Housing sales contract is a contract signed by buyers and sellers with real estate as the target, and bank loan is a means to pay the house price. The bank signs a loan contract with the buyer. The object of the contract is a loan, and the house is used as collateral in the loan contract. Just because these two contracts are independent of each other, although they are related to a certain extent (one is to buy and sell houses, and the other is to use houses as collateral), the dissolution of the house purchase contract does not mean that even the loan contract is dissolved at the same time, and the loan relationship between the buyer and the bank still exists, and the loan still needs to be paid off. Then, after the termination of the housing sales contract, what should I do if the loan contract is terminated? First of all, if the buyer wants to cancel the loan contract, he must pay off the loan in advance. Take the commercial housing as an example. In practice, the developer will return the purchase money to the buyers after the buyers check out. However, in order to prevent the buyers from returning the loan after obtaining the returned purchase money, it will inevitably affect the interests of the developers (the returned houses are mortgaged). The developer will divide the outstanding part of the bank loan into two parts: the developer directly returns it to the bank, the down payment and the repaid loan.