1. What if the principal cannot be repaid when the loan expires?

After the bank loan expires, if it is unable to repay, the following measures can be taken:

1. Application for deferred repayment:

If you have a good attitude and show that you are unable to repay in the short term, you can apply to the bank for deferred repayment.

2. Apply for installment repayment:

When the repayment amount is too large and the repayment ability is insufficient, you can apply for repayment by installments, and you can divide the arrears into multiple installments to ease the repayment pressure of each installment.

3. Borrow money from relatives and friends to return:

If the amount owed is not large, you can borrow money from relatives and friends to pay back the bank debt first and then pay back the borrowed money afterwards.

4. Discounted assets for repayment:

When you have jewelry, real estate, vehicles and other property in your hand, you can discount these items and use them to repay the debts of the bank.

Second, what are the consequences of bank loans?

1, which affects the borrower's personal credit information. The borrower's personal credit is affected, which will directly affect the borrower's future loans.

2. If the borrower fails to repay the loan on time, the bank will impose penalty on the borrower, which will lead to great repayment pressure on the borrower.

When you are in loans overdue for one month, the bank will send you a message. If it is overdue for more than three months, the bank will call or collect it at home.

4. If loans overdue is over six months, the bank will sue the borrower to the court, and the court summons will be sent to the borrower's home. On the day of the court session, regardless of whether the borrower appears in court, the court will freeze the collateral originally mortgaged by the borrower to the bank and then auction it. The proceeds from the collateral auction will be used for repayment.

Third, if the loan is not repaid, what is the responsibility of the guarantor?

1, general guarantee liability.

Its responsibility is that when the debtor can't pay off the due debt, the guarantor should bear the responsibility, that is, pay off the due debt.

2. Joint and several liability.

The creditor's responsibility to pay means that when the debt reaches the repayment period, the creditor has the right to ask the debtor or guarantor to repay the debt.

When the guarantee is a general guarantee, the guarantor has the right of defense, that is, the guarantor has the right to refuse the creditor's repayment request before the creditor applies to enforce the debtor's property or fails to enforce the security interest. Co-guarantors have no such right.

When repaying credit card debt or loan debt, you must pay attention to the repayment period, and don't remember to repay after the repayment period expires. If the repayment is made after the repayment period expires, it will be deemed that the debtor is overdue, and the credit card debtor will have to face many adverse effects and consequences.