Legal analysis: 1. Failure to repay is only a civil dispute and will not be sentenced. If the creditor brings a lawsuit to the court, the lender has the ability to refuse to perform the legal judgment, which will constitute the crime of refusing to perform the judgment and may lead to imprisonment.

2.6 months later, the bank will bring a lawsuit to the court, and the court summons will be sent to the borrower's home. On the day of the court session, regardless of whether the borrower appears in court, the court will freeze the collateral originally mortgaged by the borrower to the bank and then auction it. The proceeds from the collateral auction will be used for repayment. If the auction proceeds are greater than the arrears (the amount that the borrower needs to pay = principal+interest+liquidated damages+late fees+prosecution fees+attorney fees, etc.). ), the excess will be returned to the borrower. However, there is little extra money.

Legal basis: Article 252 of the Civil Procedure Law of People's Republic of China (PRC) stipulates that if the person subjected to execution fails to perform the acts specified in the judgment, ruling or other legal documents according to the notice of execution, the people's court may enforce the execution or entrust the relevant unit or other person to complete it, and the expenses shall be borne by the person subjected to execution.