Bank matrai hoina,,aru pani 36% or 24% ma byas dine manche tannai chan Nepal ma....ahile iphone bechera timilai kati nai pharak parcha ra nepal ma. Kunai bank sanga kura milena bhane aru manche sanga bhayepani kura milauna prayas gara.

Arko kura...it is not LEGAL to loan people in Nepal....so he cannot really force sell your house. Try not to make your story more focused on selling iphone than the issue there is. All you need is to swap the loan with another person.