House mortgage can be negotiated if it is sued. After being sued by the bank, the lender will receive a subpoena from the court. At this time, contact the loan bank quickly and apply for installment repayment or delay repayment. It is best to provide proof that you are temporarily unable to repay, such as poverty certificate, unemployment certificate, bankruptcy certificate, disease certificate, etc. In this way, the probability of successful negotiation with the bank will be much greater.

If the debtor fails to perform the judgment of the court within the performance period after the creditor wins the case in the court, the creditor may apply to the court for enforcement. When accepting enforcement, the court will inquire about the property, vehicles, securities and deposits under the debtor's name according to law. In addition, if the debtor has no enforceable property under his name and refuses to perform the effective judgment of the court, his overdue repayment and other negative information will be recorded in his personal credit report, and he will be restricted from high consumption and entry and exit, and may even be punished by judicial custody. Those who have the ability to refuse to execute are suspected of refusing to execute the judgment or ruling.

Legal basis: Article 253 of the Civil Procedure Law of People's Republic of China (PRC).

If the person subjected to execution fails to perform the obligation to pay money within the period specified in the judgment, ruling or other legal documents, he shall pay double the interest on the debt during the delayed performance. If the person subjected to execution fails to perform other obligations within the period specified in the judgment, ruling or other legal documents, he shall pay the delay in performance.