As for credit cards and housing loans, although the two accounts are under the same bank, they are independent of each other. If you owe a lot on your credit card, the bank will take legal measures to recover the debt, but will not auction the property directly.

For housing loans, banks will recover them in accordance with legal procedures, and will not auction houses easily in the end. However, I suggest that you handle the repayment of credit cards and mortgages in time to avoid more debts.

I hope the above information is helpful to you.