1. Possible legal proceedings: After the borrower fails to repay the loan for three years, the creditor has the right to bring a lawsuit to the court to claim the debt. The court will decide whether to recover the house according to the specific circumstances.
2. It can be executed according to law: if the court decides to repossess the house, the creditor can execute the house through judicial auction. The house will be auctioned and the proceeds will be used to pay off debts.
3. Possible damage to social credit: After three years of overdue repayment, the borrower's credit record will be seriously damaged, and it may be included in the list of untrustworthy people, which will have a long-term impact on personal credit.
In short, the overdue repayment of online loans for three years may lead to the house being taken away, and the specific situation will be affected by legal procedures and relevant judicial decisions. Due to the lack of specific information in the question, such as the terms of the loan contract and the court decisions involved, it is impossible to give more specific conclusions. If you need to know more about the relevant regulations, please consult a professional legal institution or consultant.
The above answers are based on the general situation. For more information about online lending and debt collection, please refer to relevant laws and regulations in China, such as contract law, creditor's rights and debts law and other relevant documents. Please note that this answer is for reference only, and the specific solution should be carried out under the guidance of legal professionals.