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Hi, need help and advise from experienced people in my scenario

jan 2015, sign SPA to purchase a house that is under construction

till today, house progress is long overdue and stopped at 75% and have stopped completely for more than a year or two

my question is, what will happen if we request to terminate the SPA through proper procedure? i understand that i can get refund from developer if SPA is terminated succesfully, but what about bank? do i still have to continue paying loan?
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