Legal analysis: if the loan is not repaid when the house is demolished, it still needs to be repaid during the house demolition. After receiving the demolition payment, priority should be given to repaying the loan. Housing mortgage loan is a loan contract, and it is a loan relationship in legal relationship. House expropriation and demolition is a government act, which does not affect the debt relationship between the two parties. The expropriated person can choose monetary compensation, which means that even the demolition will not damage your property rights. The borrower can continue to perform the contract or pay off the mortgage in advance at his own expense.

Legal basis: Article 243 of the General Principles of the Civil Law of People's Republic of China (PRC) * * * In order to meet the needs of public interests, collectively owned land, houses of units and individuals and other immovable property may be expropriated in accordance with the authority and procedures prescribed by law. Expropriation of collectively owned land shall pay land compensation fees, resettlement subsidies, ground attachments and young crops compensation fees in full according to law, arrange social security fees for land-expropriated farmers, ensure the livelihood of land-expropriated farmers and safeguard their legitimate rights and interests. Units and individuals who expropriate houses and other immovable property shall be compensated for demolition according to law, safeguard the legitimate rights and interests of the expropriated person and guarantee the living conditions of the expropriated person.