Banks have the right to forcibly deduct loans from users' bank accounts or cash. If the loan is not enough, it will be handled by the central bank, which will adjust the user's forum authority and expand the points of mortgage loans.

If the bank forcibly repays the loan by deducting from the deposit, the bank will not pay the deposit interest for its members, and the deposit interest will be calculated after the loan is paid. At the same time, banks have the right to forcibly recover loans on a regular basis without paying interest.