Legal analysis: *** Same as the debtor. In fact, it is a program requirement. It is really up to the borrower to repay the loan and dispose of the mortgaged house if the loan is not repaid. It has little to do with the borrower’s family.

Legal basis: Article 671 of the "People's Republic of China and Civil Code" If the lender fails to provide the loan in accordance with the agreed date and amount, causing losses to the borrower, it shall compensate for the losses. If the borrower fails to collect the loan on the agreed date and amount, the borrower shall pay interest on the agreed date and amount.