The lawyer said that the house collapsed after the earthquake and the mortgage had to be paid back. New observation: Don't let false news disturb the rescue work. On April 20th, an earthquake of magnitude 7.0 occurred in Ya 'an City, Sichuan Province, which destroyed many people's happy homes. According to reports, the air force personnel involved in the rescue said: "Seeing that the old houses were seriously damaged, about 50% of the houses in the epicenter area collapsed." Many netizens wonder, if the house bought by mortgage loan collapses or becomes a dangerous house, will it continue to pay the monthly mortgage? If the house is there and no one is there, who will continue to pay? On this issue, Yang Zaiming, a lawyer of Beijing Zaiming Law Firm, made a micro-interview with Sina, and answered the related questions of netizens. In his view, mortgage is a kind of mortgage, and the loss of the house will lead to the disappearance of the usufructuary right, but the creditor's right still exists, so from the perspective of the types of rights, it still needs to be paid. In the current loan contract in China, there is generally no additional explanation of force majeure such as earthquake. Mortgage loan contract belongs to civil contract behavior, which has autonomy of will and priority of agreement. That is, if the house is lost due to natural disasters, force majeure and other reasons as stipulated in the contract, the creditor's rights shall be exempted, and the agreement shall prevail.

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