have ur family member go to akpk? they can help to restructure the monthly loan repayment thus it will be lower. then get an agent to sell it at above lelong price, 900k maybe? so ur family member loss will be minimal. can pay it lower every month while waiting for the agent to get any potential buyer. because if the area is not hot area, it will take time, this is just to minimize the loss. hope this suggestion helps.