The first step, don't run away, don't go bankrupt, and file a lawsuit with the developer. As long as the developer defaults and stops work, there is a great chance to terminate the purchase contract. Once the purchase contract is terminated, the loan contract is also terminated. The bank will give the rest of the money to the developer. For the down payment, we must also find ways to find developers to recover it. Although the probability is small, it does not mean that there is no chance.

The second step, which is also a common problem, is that when the developer goes bankrupt, we can't find a debt collector, so we can choose to stop lending directly, which is also a common method used by the unfinished owners at present. When you stop the loan, the bank will sue the owner. Due to the bankruptcy of the developer, the fact that the purchase contract does not exist has been caused. In this case, the owner has a great chance of winning the case. Due to the bankruptcy of the developer, it is unlikely to recover the down payment. The developer went bankrupt himself, and there is a high probability that the money will not come back.

The third step, bad owners get together and stop lending collectively if they don't resume work, so that local real estate can resume work. This is also the best way, and it also realizes the original intention of everyone to buy a house. At the same time, solve the down payment problem. When the house resumes work and the owner repays the loan, everyone is happy.

The above three methods, some owners have achieved the expected results. Just wait, no one will help us.