I haven't paid my mortgage for months, and now I want to take back my house. What should I do?

Legal analysis: if the mortgage is not repaid for more than 6 months, the bank will sue. At present, if you don't repay the mortgage on time, you need to generate high interest charges, and when the court auctions the debtor's house, the borrower can't leave much money.

Legal basis: Interim Measures for the Administration of Personal Loans.

Article 38 The lender shall, in accordance with the provisions of laws and regulations and the provisions of the loan contract, investigate the liabilities for breach of contract for the borrower's failure to provide true and complete information or to use and pay the loan as agreed in the contract.

Article 40 The lender shall recover the loan principal and interest in accordance with the loan contract. For loans that are not repaid according to the loan contract, the lender shall take measures to collect or restructure by agreement.