It is legal to go to your house to collect accounts. In one case, the borrower owes a large amount, at least tens of thousands or even hundreds of thousands, so don't worry about hundreds of thousands. In this case, it is not enough to estimate the travel expenses at home. Another situation is that the borrower borrows offline loans, and the loan company is close to the borrower's residence.

Article 67 1 of the Civil Code of People's Republic of China (PRC)?

If the lender fails to provide the loan according to the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses. If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.

Article 672?

Lenders may inspect and supervise the use of loans as agreed. The borrower shall regularly provide relevant financial and accounting statements or other materials to the lender as agreed.

Article 673?

If the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.

Article 674?

The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.