1, the house is rotten, and the loan should continue to be repaid. Because the debt relationship with the bank will not change because of the state of the house. Repayment of this kind of thing, we must first clarify the relationship between property buyers, developers and banks. The relationship between buyers and developers is buying and selling, and the relationship between buyers and banks is lending.

2. Legal basis: Article 465 of the Civil Code of People's Republic of China (PRC).

Contracts established according to law are protected by law.

A legally established contract is legally binding only on the parties, except as otherwise provided by law.

Article 466

If the parties have disputes over the understanding of the terms of the contract, the meaning of the disputed terms shall be determined in accordance with the provisions of the first paragraph of Article 142 of this Law.

Where a contract text is concluded in two or more languages, and the agreement is equally authentic, the words used in each text shall have the same meaning. If the words and expressions used in each text are inconsistent, they shall be interpreted according to the relevant terms, nature, purpose and principle of good faith of the contract.

Second, what should I do if the house is rotten?

The house is rotten, and the treatment method is as follows:

1, clarify the ownership of property rights, mortgage loans and installment purchases, and the ownership of rights is different in different ways, so it is necessary to clarify the ownership of property rights;

2. Work together to safeguard rights and clarify the ownership of property rights, and strive for greater legal support with other owners;

3. It is better to use the initiative to understand the developer in advance to protect rights after the accident. You can't buy without industrial and commercial registration, tax registration, incomplete qualifications and incomplete procedures;

4. Trust the government. For uncompleted residential flats, the government will intervene in different ways according to different situations.