According to the data of China Travel Service. Com, if there is no capital contribution, the bank will evaluate the assets of the mortgaged property, and after the evaluation, it will be listed for auction, and the proceeds from the auction will offset the unpaid house payment.
After deducting all the handling fees, the excess house payment will be given to the heir of the property owner. When inheriting an estate, the decedent shall pay taxes and debts that should be paid according to law, and the payment of taxes and debts shall be limited to the actual value of the estate. The part exceeding the actual value of the estate shall be voluntarily repaid by the heir.