about home loan

sir 2006 me mother k name se 9.5 lac home loan liya gaya tha par kuchh time k baad unki health kharab ho gayi last me 2013 me unko cancer diagnose hua aur kafi treatment karane k baad March 2018 me unki death ho gayi jiske karan bank ka installment timely jama nahi ho saka fir bhi total 8 lac jama kiya gaya hai ab bank wale bol rahe hain apka loan 22 lac hai aur a/c NPA ho gaya hai aur apka ghar sale kiya jayega. maine bank se request kiya ki interest me chhut dekar mujhe loan me coapplicant banakar time dijiye par bank walo ne aisa karne se mana kar diya kripya meri help karen