First of all, after the mortgage expires, banks or other lending institutions should urge and remind borrowers to inform each other that the loan has expired and should immediately pay off the loan owed. If the other party still fails to repay the loan after repeated reminders from the lending institution, the lending institution may bring a lawsuit to the court, and after approval by the court, the collateral may be auctioned publicly. After the mortgage is auctioned, the proceeds from the auction will be used to supplement the debts owed by the borrower. If the money after the auction pays off the borrower's debt, the remaining money will be returned to the borrower. 1. If it is really unable to repay, it shall negotiate with the lending institution to extend the repayment period or repay by installments. 2. If the lending institution fails to perform the judgment of the court within the performance period after suing the court and winning the case, it will apply to the court for enforcement. 3. When accepting enforcement, the court will inquire about the real estate, vehicles, securities and deposits in the name of the lender according to law. 4. If the lender refuses to perform the effective judgment of the court because there is no enforceable property under his name, negative information such as overdue repayment will be recorded in the personal credit report, which will restrict high consumption and entry and exit, and may even lead to judicial custody. 5. Refusing to execute a judgment or ruling is suspected of refusing to execute a judgment or ruling.

Legal basis: Article 32 of the Finance Law of People's Republic of China (PRC), the borrower shall repay the loan principal and interest in full and on time according to the loan contract.

The lender shall issue a notice of repayment of principal and interest to the borrower before the short-term loan expires 1 week and the medium-and long-term loan expires 1 month; The borrower shall prepare funds in time and repay the principal and interest on schedule.

The lender shall promptly issue a notice of overdue loan collection, and do a good job of overdue loan principal and interest collection.

Lenders charge interest on loans that cannot be repaid within the time limit stipulated in the loan contract; If the principal and interest cannot be repaid or executed, it shall be urged to repay or bring a lawsuit.

The borrower shall negotiate with the lender when repaying the loan in advance.