1. Dissolving the house purchase contract does not mean dissolving the loan contract at the same time. The loan contract is the loan relationship between the buyer and the bank. The specific lifting is that the developer directly returns the part of the down payment that belongs to the buyers to the buyers. The part that belongs to the loan borrowed by the buyer from the bank is directly returned to the bank, and it is deemed that the buyer has repaid the loan to the bank in advance. The bank accepts the repayment and terminates the loan contract according to Article 30 of the Personal Management Measures of the People's Bank of China. 2. At the same time, when handling the mortgage contract for house purchase, the insurance for house purchase is generally handled, and the beneficiary of the insurance is the loan bank. If the insurance contract signed by the buyer does not contain the words "no surrender", the buyer can cancel the insurance contract at the same time as the purchase contract. Property buyers should go through the formalities of surrender and refund according to Article 38 of the Insurance Law.

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Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.