1. Contact the bank: If you can't continue to repay the mortgage, you should contact the bank and explain the situation. Banks will provide some help, such as adjusting repayment plans or providing loan restructuring.

2. Seek legal help: If an agreement cannot be reached with the bank or the bank has taken legal action, please seek legal help. You can consult a lawyer to understand your rights and legal procedures.

3. Auction of real estate: If the mortgage loan cannot be repaid and the value of the real estate is not enough to repay the loan, it is necessary to auction the real estate to repay the loan.