Doomsday Survival Guide: Fighting Magic with Magic
If you follow this procedure, it gets scary.
The original question was: what do you do after buying a half-finished building?
First, transfer all your personal fixed assets—houses, cars, savings—to trusted family members, like your parents or wife. Or sell them for cash and deposit the money into family members' accounts to prevent execution. While your credit is still decent, max out every online loan and bank consumer loan you can get, regardless of the interest rate, since you don't plan on repaying anyway. Stay away from private lending, or you'll get beaten up. Buy a small suburban house in full cash under a family member's name for your own residence. You can also use it for daily living expenses or paying rent to保障your livelihood.
Get the deadbeat survival kit: have a family member use their ID to get a set of phone cards and bank cards, and register WeChat / Alipay with them for daily payments and receiving work money. Keep your old cards active, put them in an old phone on silent to handle collection calls.
Then immediately stop paying your mortgage, and refuse to hand over the property—don't pay another cent.
Ask your employer to pay wages in cash. If they refuse, find another job or start a small side business that pays in cash or mobile payment, since you don't have a mortgage to pay and with the cash you've extracted, you won't face any financial pressure. If the local enforcement bureau comes after you for mortgage / online loan payments, move to another city or rotate cities periodically. Online loans will mainly just harass you with phone calls; as for mortgages, I guess developers of unfinished buildings won't have the nerve to collect anyway. If you get sued, just ignore it—do whatever you want, since there's nothing for them to execute against.
You'll find that being a deadbeat doesn't affect your life at all.