Since the loan has been paid to the developer's account in one lump sum, the developer will often pay the loan amount and interest to the lender and terminate the loan contract with the lender. Due to the cancellation of the purchase contract, all the purchase money obtained by the developer from the purchaser should be returned to the purchaser. The bank mortgage loan applied by the buyer is also part of the purchase price and should be returned to the buyer together. Then, the property buyers should negotiate with the bank to return the remaining loan principal and interest (part of which has been repaid on a monthly basis) to the bank in advance according to the provisions of Paragraph 5 of Article 32 of the General Rules for Loans formulated by the People's Bank of China. The extracted part shall be returned to the provident fund management center.