比如说, 你房子的DOWNPAY 10万, 银行上只有2万, 而你的信用卡上的负债是15万, 就意味着BANK FORECLOSURE么?

Bank only cares about getting their money back.  A foreclosure happens when a residential borrower is unable to make his/her monthly mortgage payment.  The bank will auction off your house to get their money back (remember, your house belong to your bank as long as you owe a balance on your mortgage).  So, to answer your question, it doesn't matter if you have $1 or $1,000,000 in your bank account.  As long as you pay your monthly mortgage on time, you will be fine.

不确切。银行收回你分期付款的房子，叫做foreclosure，即取消你的抵押物（房子），而不是指你的负债

if you are not  paying mortgage for 3 months, bank will kick you out from the house and sell it to cover the debt

its cold hearted biz, but if you were on the bank side, it's reasonable.