Legal analysis: Consequences of not repaying the mortgage: the mortgage will not pay the down payment of the previous purchase of the property, and the monthly payment to the bank and the agency fee to the intermediary company cannot be returned. After the mortgage is not paid, personal dishonest information will be recorded in the bank's credit information system, which will affect future means of transportation, such as flying and high-speed rail. If the house loan is not paid, the bank may sue and auction the house at a low price.

Legal basis: Article 11 of the Interim Measures for Personal Loans: To apply for personal loans, the following conditions shall be met: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state. (2) The purpose of the loan is clear and legal. (3) The amount, duration and currency of the loan application are reasonable. (4) The borrower has the willingness and ability to repay. (5) The borrower's credit status is good and there is no significant bad credit record. (6) Other conditions required by the lender.