1. The bank will take certain collection measures. In the initial telephone notice, if the loan is really not paid, you can explain your actual situation to the bank and try to apply for an extension, which depends on different bank regulations;
Note: the delay will be regarded as negative information in the credit report, indicating that there are some problems with your repayment ability, but it is still better than the overdue situation.
2, overdue for more than 90 days, if the circumstances are serious, it can be regarded as malicious overdue, and bank collection may also cause life pressure for yourself and your family, affecting the normal life of individuals and families;
3. In terms of overdue fees, there will be some fees such as liquidated damages and penalty interest, which need to be collected according to the contract. Different institutions and different loan products charge different liquidated damages or penalty interests;
4. It has an impact on personal credit records, and bad credit records become obstacles to future loans such as mortgages and car loans and credit card processing;
5. If the loan has not been sued to the court, and the court still refuses to repay the loan after the execution of the judgment, you can report it to the Supreme People's Court and enter the "list of people who have been executed because of dishonesty", which is also commonly known as the "Lao Lai list", and it will be forbidden to travel by high-speed rail.
Extended data:
1. Find a loan product that suits you.
At present, there are many bank loan products, and each product has different requirements for borrowers. In this case, the borrower had better compare several products to see which one best meets his own conditions, and then go through the loan procedures.
2. Prepare loan procedures in advance.
When applying for a bank loan, the borrower needs to provide complete loan procedures. If the procedures are incomplete, it is difficult to get a loan. Therefore, it is best for borrowers to know clearly what the loan procedures are before lending, so as to make preparations in advance.
3. Determine the loan amount and term.
When applying for a personal loan from a bank, the borrower should determine the loan amount and term according to his repayment ability and money demand, and should not blindly pursue a loan with a high amount and a long term, so as to ensure the smooth acquisition of the loan and avoid unnecessary troubles caused by excessive repayment pressure.
References:
List of broken promises-Baidu Encyclopedia