Legal analysis: 1. The bank will urge the loan to be received according to the loan contract and guarantee contract, and will also bring a lawsuit to the court; The court will take measures such as property preservation, including freezing the deposits in all bank accounts of you and the loan guarantor, and sealing up your mortgaged property. After the judgment, the mortgaged property will be enforced according to law to pay off the bank's loan losses. Including: loan principal, loan interest, overdue interest and penalty interest, resulting litigation costs, and related expenses incurred in disposing of collateral; 2. If personal credit is affected, it will be recorded in the national bank credit information system and recorded in the national personal credit information system, and it will be difficult to obtain bank loans in the future; 3. If there are flaws in the loan process, you may be sentenced to prison for "loan fraud".

Legal basis: Article 32 of the General Principles of Loans: When the borrower repays the loan, it shall repay the loan principal and interest in full and on time in accordance with 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.

In the third paragraph of Article 42 of the Law of People's Republic of China (PRC) Commercial Bank, if the borrower fails to repay the credit loan at maturity, it shall bear the responsibility according to the contract.