If a bank loan cannot be repaid at maturity, it may be repaid in installments through consultation with the lending bank, or it may apply to the court for a ruling on repayment in installments. Refusal to repay after consultation or court judgment shall be enforced by the court according to law.

Article 108 of the General Principles of the Civil Law: The debt shall be paid off. If it cannot be repaid temporarily, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay and refuse to repay shall be forced to repay by the people's court.

Consequences of non-repayment of real estate mortgage:

If there is no one-time repayment, the bank will notify you by phone or SMS and remind you to repay on time, and there will be penalty interest.

If there is no repayment for three times in a row, the bank account manager will collect it, which will also generate penalty interest.

If the overdue number reaches more than 6 times, your property may be frozen during this period.

If the borrower fails to negotiate with the bank, the bank will auction the mortgaged property through legal procedures.