Legal analysis: the consequences of being sued for not repaying the loan: 1. If the loan is not repaid once, the bank will notify you by phone or SMS and remind you to repay it on time, and there will be penalty interest. 2. If you don't repay for three times in a row, the bank account manager will make a collection and the borrower will be punished. 3. If the overdue repayment times reach six or more times, the bank will protect its rights and interests through legal means, and may freeze its property during this period. 4. If the negotiation between the bank and the borrower fails, the bank will auction the mortgaged property through legal procedures. First of all, the bank has evidence that the loan will not be repaid when it expires. Secondly, the bank will notify in advance to repay the loan within a reasonable period of time. If the loan cannot be repaid at maturity, the bank can sue the court for repayment.

Legal basis: Article 11 of the General Rules for Loans: Term of the loan? The loan term shall be determined by the borrower and the lender through consultation according to the production and operation cycle of the borrower, repayment ability and the lender's capital supply ability, and shall be specified in the loan contract. ? The longest term of self-operated loans generally does not exceed 65,438+00 years, and those that exceed 65,438+00 years shall be reported to the People's Bank of China for the record. ? The longest discount period of bill discount shall not exceed 6 months, from the date of discount to the maturity date of the bill.

Article 25 Application for loan: If the borrower needs a loan, he shall directly apply to the host bank or the agency of other banks. ? The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information: 1. Basic information of the borrower and guarantor; ? Two, the financial department or accounting (audit) firm approved the financial report of the previous year, as well as the financial report of the previous period to apply for a loan; ? Three, the original unreasonable occupation of loans to correct the situation; ? 4. List of collateral and pledge, and the certificate of consent of the obligee who has the right to dispose of the collateral and pledge, and the relevant documents of the guarantor's consent to the guarantee intention; ? V. Project proposal and feasibility report; ? Other relevant information deemed necessary by the lender.