If you don't repay the loan on time or in the following order, the bank will take the following measures: 1, call me to tell me which mortgage loan you haven't repaid yet, please repay it in time; 2. Call again to urge repayment; 3. If repeated telephone contact has no effect or the borrower cannot be found by telephone, the bank will send special dunning personnel to inform them of the existence of the loan and the dunning situation; 4. If many home visits fail, the bank's perennial legal adviser will send you a "lawyer's letter" informing you that if you don't repay the loan, you will take measures such as "litigation court"; If the loan is not repaid without borrowing, the bank will bring a lawsuit to the court. After the court decides, the borrower will repay the loan within a time limit. If the loan is overdue, after the auction and sale of the property, the proceeds will generally be used to repay the bank's principal and interest, and the rest will be returned to the borrower, and the property will be owned by others. If the family's economic income is reduced due to unexpected events, and the loan cannot be repaid (not maliciously), and this house is the only house in the family, banks generally will not and cannot adopt the method of auction or sale. But this debt still exists, and at most you will be exempted from some interest. In addition, your reputation will be affected and your overdue information will be recorded in the "Credit Information" database. As long as you pay back the overdue two months (plus a little overdue interest, not much), you can pay it back on schedule in the future, but try not to be overdue. Failure to repay the loan is only a civil dispute and will not go to jail. If the creditor brings a lawsuit to the court, and you have the ability to refuse to perform the legal judgment, it will constitute a crime of refusing to perform the judgment, and you may go to jail. Article 313 of the Criminal Law: The crime of refusing to execute a judgment or ruling. Whoever refuses to execute a judgment or ruling of a people's court, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or fine.

Legal objectivity:

Article 675 of the Civil Code of People's Republic of China (PRC), the borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time. Article 676 of the Civil Code of People's Republic of China (PRC) If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state. Article 510 of the Civil Code of People's Republic of China (PRC) stipulates that after the contract comes into effect, the parties have not agreed or clearly agreed on the quality, price or remuneration, place of performance, etc. , they can supplement by agreement; If a supplementary agreement cannot be reached, it shall be determined in accordance with the relevant provisions of the contract or trading habits.