Legal problem: I borrowed money from the bank with my house as collateral, and now I have no money to pay it back. The deadline is coming. Will the bank confiscate our house? How long can we stay? Lawyer Qu: You can auction the property through litigation and repay it with the house money. Lawyer Fang: The bank will apply to the court to auction the house to repay the debt. If you have any legal questions, please call the home page for legal consultation. Related knowledge-if the house and the land use right are jointly mortgaged and the house mortgage on the state-owned land is obtained according to law, the state-owned land use right within the house is mortgaged at the same time. Otherwise, when the creditor obtains the ownership of the house by discounting the collateral when exercising the mortgage right or transfers the ownership of the house to others by auction or sale, the person who obtains the house cannot obtain the land use right within the scope of the house and the house cannot be used. If the house is mortgaged by state-owned land, the acquisition of the right to use the state-owned land must be legal. If the right to use state-owned land is mortgaged by means of transfer, the houses mortgaged on the state-owned land shall be mortgaged at the same time. These Provisions only apply to the right to use state-owned land obtained by transfer, not to the acquisition of free allocation and paid expropriation. The following land belongs to state-owned land: 1. State-owned land allocated by the state to state organs, social organizations, armed forces, enterprises and institutions owned by the whole people and urban collective enterprises and institutions; Two, the national construction approved the expropriation of collectively owned land; Three, the use of state-owned land for urban residents' housing; Four, approved by the people's governments at or above the county level allocated or contracted to the collective and individual use of state-owned land; Five, township (town), village rural collective economic organizations or individual villagers use organs, enterprises and institutions, military agricultural and sideline production and other places of state-owned land; 6 wasteland, barren hills, sand dunes, pastures, woodlands, water surfaces, beaches, etc. Without the confirmation of the people's government at or above the county level, it belongs to the collective; Seven, other land owned by the state according to law. The land use right of township (town) village enterprises shall not be mortgaged separately. Where buildings such as factories of township (town) and village enterprises are mortgaged, the land use right occupied by them shall be mortgaged at the same time.