The person who has the repayment obligation by * * * shall bear the joint repayment responsibility of * * *, and of course bear the legal responsibility.

Second, can an individual who refuses to repay a real estate mortgage bear legal responsibility?

If the loan is not repaid, the mortgaged house will be auctioned off by the bank. Please do it three times before doing it. Personal advice, for reference only. Good luck!

Third, how will the loan be judged if it is unable to repay?

1. How will the loan be judged if it cannot be repaid? 1. If you are just unable to repay the loan, instead of maliciously defrauding the loan when signing the loan contract, then it does not constitute a crime and belongs to the civil affairs. Only at the request of the other party can the judgment repay the debts such as arrears and interest, and it cannot be seized. After the judgment takes effect, the other party may apply for compulsory execution. In the process of execution, those who have the ability to execute and refuse to execute may be detained. 2. Legal basis: Article 155 of the Civil Procedure Law of People's Republic of China (PRC) stipulates the verdict and the reasons for making the verdict. The contents of the judgment include: (1) the cause of action, the claim, the disputed facts and reasons; (two) the facts and reasons identified in the judgment, the applicable laws and reasons; (three) the verdict and the burden of litigation costs; (4) During the appeal and appeal. The written judgment shall be signed by the judges and court clerks and affixed with the people's seal. Article 152 A case tried by the people's court through ordinary procedures shall be concluded within six months from the date of filing the case. If there are special circumstances that need to be extended, it can be extended for six months with the approval of the president of our hospital; If an extension is needed, it shall be submitted to the people's government at a higher level for approval. Two, the borrower does not repay the money, what responsibility does the guarantor bear? The liabilities of borrowers who fail to pay back the money are as follows: 1. If the borrower does not pay back the money, the guarantor will of course bear the repayment responsibility; 2. If after the loan, the debtor fails to perform the repayment obligation and the guarantor is not liable, then the previously set guarantee is meaningless; 3. The responsibility of the guarantor depends on the specific guarantee method.