老婆：老公，你说假如开发商破产，房子烂尾了怎么办啊？咱房子还要再还吗？
老公：你房贷肯定不能停贷，那你房贷欠的是银行，你不还，那就直接把你打到申请黑名单了。你要做的第一步就是。我先找银行沟通一下，看看能不能申请一下那个停息挂账是吧，就尽可能的说，先别催着我还房贷了，对吧？包括还要注意一个点，就是开发商如果说啊房子可以退啥的，那尽量别退。不然因为因为你退了他他也没钱还给你啊，你顶多。
我给你打个欠条啥的，那你到时候真要倒闭了，按照破产清算的这个还钱顺序，你欠条优先级是最低的是吧，你真正要做的就是首先去法院申请一下那个房屋保全啊，然后联系一些业主起诉开发商违约啥的。
就别怕麻烦你一旦胜诉了，你就可以强申请强制执行了呀。你这时候就比别人多了，那个还钱的优先权嘛。你也就是说但凡开发商手里面还有一点点钱，那个哪怕是破产清算出来的钱，他。
他这里优先还给你。那其次他还的是什么施工队啥的，你最后是拿着欠条这种的。
老婆：老公你懂得真多。刚才我看咱们结婚录像好感动啊，感觉。

Wife: Husband, what do you do if the developer goes bankrupt and the house goes unfinished? Do we have to return our house?
Husband: You definitely can't stop your mortgage. Then you owe the mortgage to the bank. If you don't pay it back, you will be directly blacklisted. The first step you need to do is. Let me talk to the bank first, and see if I can apply for the suspension of interest-bearing accounts, right? Including one more point, if the developer says that the house can be retired, then try not to retreat. Otherwise, he has no money to pay you back because you refunded him. At best, I will give you an IOU or something, then you will really go bankrupt at that time. According to the order of repayment of bankruptcy liquidation, your IOU priority It's the lowest, right? What you really need to do is to first go to the court to apply for that house preservation, and then contact some owners to sue the developer for breach of contract.
      Don't be afraid of trouble. Once you win the case, you can apply for enforcement. You are more than others at this time, so what is the priority of paying back the money? You mean that as long as the developer still has a little bit of money in his hands, even if it is money from bankruptcy liquidation, he will give it back to you first. Then, what construction team did he pay back? You ended up holding an IOU.
Wife: Husband, you know so much. I was so touched by watching our wedding video just now, I feel.