Legal analysis: ask the guarantee company for help. If you need a large amount of money, you can ask the guarantee company to pay off the loan in advance. After the house is mortgaged, you can use it as collateral to apply for a loan from the bank again, and then pay back the money to the guarantee company after getting the loan. However, the premise of emergency assistance in this way is that the borrower must have the ability to repay in full and on time, which means that you can't repay in a short time. Wait for the bank to auction off the house. If you really have no money to repay the loan and can't think of any other solution, you have to wait for the bank to auction off the house. After the auction, the bank will use the auction money to repay the loan principal and interest in advance, and if there is any surplus, it will be transferred to the borrower's account.
Legal basis: Article 409 of the Civil Code of People's Republic of China (PRC), the mortgagee can give up the mortgage or the ranking of the mortgage. The mortgagee and the mortgagor may agree to change the mortgage order and the amount of secured creditor's rights. However, without the written consent of other mortgagees, the change of mortgage right shall not adversely affect other mortgagees.
If the debtor mortgages his own property, and the mortgagee abandons the mortgage, the mortgage order or changes the mortgage, other guarantors shall be exempted from the guarantee liability within the scope of the mortgagee's loss of priority rights, except that other guarantors promise to still provide the guarantee.