When the mortgage loan is not repaid, it is not very troublesome for the bank to sue the court for enforcement. Usually the whole process ends in six months. If it is overdue for more than 90 days, bring a lawsuit to the court: ① According to the loan contract and guarantee contract (mortgage or pledge contract), the loan bank brings a lawsuit to the court, and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of the lender and the loan guarantor and sealing up the pledged property. (2) After the judgment is made, the property will be enforced (deducting deposits, auctioning collateral, etc.). Pay off the bank's loan losses according to law. ③ Specifically, it includes: loan principal, loan interest, overdue interest, penalty interest, all litigation expenses arising therefrom, and related expenses incurred when the collateral is realized.