Non-repayment of mortgage usually means that the lender fails to repay the loan institution at the agreed time, resulting in overdue repayment. Specifically, mortgage non-repayment refers to the situation that the mortgage loan is not repaid within the specified repayment period or grace period, or the full repayment is not completed without the consent of the lending institution. Mortgage will not only lead the lender to take a series of measures, such as collection, penalty interest, credit record damage, and even litigation, which will have an adverse impact on the lender. Therefore, the lender should earnestly fulfill the agreed repayment obligations to ensure the timely repayment of mortgage loans.