This is the problem of mentality, because it is unpleasant and depressing to repay the loan on time every month. There is such a process at first, but gradually you will get used to it and life will go on as usual. Just put the money in that day. Eating, drinking and having fun won't affect your life. Besides, prepare for the worst. Even if it is impossible one day, it is good to sell the house and realize it. The house is repaired.