1. From a legal point of view, the return of the house is actually the performance of the buyer as a party to the purchase contract, exercising his right to terminate the contract, so it is definitely possible. The relationship between buyers and loan banks is a loan relationship, and the relationship between buyers and developers is a house sale relationship, which is completely independent legal relationship, so there is no obstacle to the right of buyers to terminate the contract. Second, property buyers borrow money from banks and relatives and friends, and their nature is the same. As creditors, banks or other institutions, individuals only have the right to demand the purchaser to repay the loan according to the contract, and have no right to interfere with the purchaser's right to terminate the contract. Therefore, as long as the buyers have the right to terminate the contract according to law, regardless of whether the buyers have obtained mortgage loans, they have the right to terminate the purchase contract according to law. Three, after the return a house, the termination of the purchase contract does not terminate the loan contract at the same time. That is to say, although property buyers do not buy a house, because they have already borrowed money from the bank to buy a house, the creditor-debtor relationship with the bank still exists, and this loan must be repaid. Fourth, first of all, due to the cancellation of the purchase contract, all the purchase money obtained by the developer from the buyers should be returned to the buyers. The bank mortgage loan applied by the buyer is also part of the purchase price and should be returned to the buyer together. Then, the property buyers should negotiate with the bank to return the remaining loan principal and interest (part of which has been repaid monthly) in advance according to the fifth paragraph of Article 32 of the General Rules for Loans formulated by the People's Bank of China.