In 2009, I purchased house for Rs. 52 lakhs. I paid down payment of Rs. 12 lakhs from my pocket and remaining Rs. 40 lakhs by arranging loan from Bank of Baroda. In between, I lost job and outstanding debt is Rs. 35 lakhs. Value of house is Rs. 75 lakhs. Is it possible that I can request the bank to sell my house in an auction, take the auction charges and outstanding loan amount and return the balance to me?