1. The housing management department cannot extend the mortgage. Because, when the mortgage expires, it will naturally be dissolved, and then the court will seal it up, which is mandatory. Without the consent of the court, it is not allowed to squeeze into the mortgage extension. For the same subject matter, rights are set in order. 2. As a bank, it is impossible to be merciful. Since the lender has been unable to repay the loan, and the mortgage is hopeless because of the court's seizure, the lender should be prosecuted and the right to compensation should be handled by the court.