Legal analysis: the consequences of non-repayment of mortgage loans are more serious. First, there will be a penalty interest. If any loan is not repaid on the loan maturity date, the lending institution will charge a penalty interest, and so will the real estate mortgage loan. Penalty interest is charged at 130% of the loan interest rate. Secondly, there will be bad repayment records, which will be included in the central bank's credit information system, affecting personal credit and making it difficult for borrowers to refinance. Finally, if the payment has not been made after repeated reminders, the lending institution has the right to auction the collateral, use the auction proceeds for repayment, and return the remaining money to the borrower. Before applying for a real estate mortgage loan, you must make a repayment plan to avoid the situation that you can't repay when it expires. In addition, if the malicious mortgage loan is not repaid, it may constitute the crime of loan fraud.

Legal basis: Article 193rd of the Criminal Law of People's Republic of China (PRC) commits one of the following acts. Whoever defrauds a bank or other financial institution of loans for the purpose of illegal possession, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) fabricating false reasons such as introducing funds and projects;

(two) the use of false economic contracts;

(3) using false documents;

(four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral;

(5) obtaining loans by other means.