Legal analysis: Whether the loan will go to jail after it is seriously overdue needs to be decided according to the specific circumstances. In practice, when the bank loan is not repaid, the bank will generally make three collections. If the debt is not paid off after collection, the bank will bring a lawsuit to the court. However, if the court is able to repay the loan after the judgment, the court will enforce it and investigate the corresponding responsibility, and does not rule out the possibility of investigating criminal responsibility. Loan fraud refers to the act of defrauding banks or other financial institutions for the purpose of illegal possession, including online loans. At this time, if the amount of the defrauded loan reaches 20,000 yuan, the perpetrator will constitute the crime of loan fraud, and will be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and fined not less than 20,000 yuan but not more than 200,000 yuan.

Legal basis: Article 193 of the Criminal Law of People's Republic of China (PRC), in any of the following circumstances, defrauds banks or other financial institutions of loans for the purpose of illegal possession, and if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

Fabricating false reasons such as introducing funds and projects;

(two) the use of false economic contracts;

Using false documents;

(four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral;

(5) obtaining loans by other means.