The mortgage bank will first destroy it by SMS, telephone or letter;

If not, the bank staff will come to investigate the situation and destroy it face to face;

There will be bad records in the personal credit information system, which will affect future loans and daily life;

If the repayment is still not made, the bank will apply to the people's court for auction of the property after a certain period of time (usually six months or one year).

Suggestions on measures to solve the problem:

1. If the funds are tight at present or in the short term, you can call the bank on your own initiative and ask for an extension of the repayment period. Banks have this business, and its specialty is called "extension". Although there will be bad records in the extension, as a bad record, it will show a good willingness to repay in the future, which is different from "malicious breach of contract".

2. If the family changes or encounters difficulties, it is difficult to continue the mortgage. The best way is to sell the property as soon as possible, with part of the house payment as repayment and the rest for personal use. This will be much more than the remaining house payment obtained by the bank auction of real estate, and will not be blacklisted by the bank, and will not affect the future loan application and credit investigation.