Legal analysis: the seller. The cost of foreclosure is paid by the seller. At the same time, foreclosure refers to paying off the mortgage principal and interest of the seller's house, canceling the mortgage registration and redeeming the first-hand certificate. Redemption of first-hand vouchers and cancellation of mortgage registration shall be deemed as the completion of redemption. At the same time, we need to pay attention to the risk of the buyer's down payment to redeem the house: 1. If the seller has other debts that are paid off by the creditor, it can be sealed up and frozen immediately after the house is redeemed. Often sellers will deliberately hide from third parties such as buyers or intermediaries, causing losses in many aspects. 2. After the buyer redeems the house for the seller, the legal property right still belongs to the seller before the transfer. If the seller "sells one room and two halls" at this time and sells the house to others, it is likely that the buyer will suffer losses.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 209 The establishment, alteration, transfer and extinction of the real right of immovable property shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law.

Natural resources owned by the state according to law may not be registered.

Article 214 The establishment, alteration, transfer and extinction of the real right of immovable property, which should be registered according to law, shall take effect when it is recorded in the register of immovable property.

Article 215 A contract concluded between the parties on the establishment, alteration, transfer and extinction of the real right of immovable property shall become effective upon the establishment of the contract, unless it is otherwise provided by law or agreed by the parties. Failure to register the real right shall not affect the validity of the contract.