1. This debt belongs to the father's personal debt. Because it has full capacity for civil conduct, it undertakes the repayment obligation by itself according to law. Others have no legal obligation to pay his debts. Second, if the bank can't recover the arrears in time, it will take legal measures to recover them, including suing the father for credit card fraud (if the amount is enough to file a case) or bringing a civil lawsuit to the court (the amount of interest and penalty interest will of course increase with time). Of course, there is no doubt about the outcome of this lawsuit. If the father fails to repay the loan within the statutory time limit after the bank wins the case, he may apply to the court for enforcement according to law. Since the house is registered in the father's name, it can be used for enforcement according to law. Three, however, if the house is the joint property of the father and mother, and it is the only house of family members, the court will not force the auction of the house for execution. In addition to the house, the property under the mother's name belongs to the parents' common property in principle, and the father holds half of it, which is also available for execution.