If the borrower has violated the terms of the loan agreement, the bank may recover the sums of money not paid on time at the expense of the property mortgaged. In this case, the right to use residential housing is terminated for citizens living in mortgage housing. However, the law does not say anything about violating the remaining points of the contract. Therefore, in my opinion, you can buy as you see fit. According to statistics, the socio-economic status of an average household is average, so do not worry that violating the terms of the mortgage will somehow negatively affect your credit history.