Legal analysis: The consequences of mortgage loan failure may be: 1, penalty interest: If any loan fails to be repaid on the loan maturity date, the lending institution will charge a penalty interest, as will the real estate mortgage loan, and charge a penalty interest according to regulations. 2. There will be bad repayment records: being included in the central bank's credit information system will affect personal credit and make it difficult for borrowers to refinance. 3. After repeated reminders, the lender has the right to auction the mortgaged property, use the auction proceeds for repayment, and return the remaining money to the borrower.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 671 Where the lender fails to provide the loan on the agreed date and amount, thereby causing losses to the borrower, it shall compensate for the losses. If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.

Article 673 Where the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.