1. The borrower can ask the party concerned to repay the debt from the person where the house is located. After the judgment, if the debtor fails to perform the debt repayment obligation, the creditor may apply to the people's court for enforcement:

(1) According to Article 236 of China's Civil Procedure Law, the parties concerned must perform a legally effective civil judgment or ruling. If one party refuses to perform, the other party may apply to the people for execution, or the judge may transfer it to the person subjected to execution for execution.

(2) According to the provisions of Article 242nd of this Law, if the person subjected to execution fails to perform the obligations specified in the legal documents according to the notice of execution, the people have the right to inquire about the deposits, bonds, stocks, fund shares and other properties of the person subjected to execution. From the relevant units.

The people have the right to seal up, freeze, transfer or change the property price of the person subjected to execution according to different circumstances. The property inquired, sealed up, frozen, transferred or changed by the person subjected to execution shall not exceed the scope of obligations that the person subjected to execution shall perform.

(3) According to Article 247 of this Law, if the person subjected to execution fails to perform within the time limit, the people's court shall auction the sealed-up or distrained property; If it is not suitable for auction or the parties agree not to auction, the auctioneer may entrust the relevant unit to sell or sell it on his own.

2. According to Article 35 of the Measures for the Administration of Individual Housing Loans, if the borrower fails to repay the loan principal and interest on schedule, the lender shall investigate the borrower's liability for breach of contract according to the relevant provisions of the General Rules for Loans of the People's Bank of China.

Extended information: According to Article 32 of the General Rules for Loans:

(1) The borrower shall repay the loan principal and interest in full and on time according to the loan contract; Lenders charge interest on loans that cannot be repaid within the time limit stipulated in the loan contract.

(2) If the principal and interest cannot be repaid or cannot be executed, it shall be urged to repay or repaid according to law.

The above reference sources and more contents: China Civil Procedure Law, General Rules of Loans and Measures for the Administration of Individual Housing Loans (Yinfa (1998)No. 190).