I haven't handed it in yet. You can get someone to help you return it, but it hasn't been returned yet. The other party can sue you, limit your consumption, and put you on the list of untrustworthy people. You can also agree with the bank to repay the principal or pay in installments. If you don't repay in time, your credit will be blacked out.

According to the contract law, if the borrower fails to repay the loan, the financial institution may demand payment of overdue interest. The parties may reach an agreement on overdue interest in the contract. This agreement can be an agreement between natural persons on whether to charge overdue interest or how much interest rate to charge. It can also be that financial institutions and borrowers determine overdue interest rates within the scope prescribed by the state. If the overdue interest rate is not stipulated in the loan contract of a financial institution, the financial institution may charge the borrower overdue interest according to the relevant national interest rate.

1. Bank of Communications Huimin Loan is a personal credit loan product launched by Bank of Communications, mainly for the working class. Applicants can apply for personal credit. No mortgage or guarantee is required. Bank of Communications Huimin loan is mainly used for consumption, and the applicant may not use it for investment and wealth management or purchase of real estate. Applicants can get a loan amount of up to 30 months, and the loan period is up to 36 months. Users can choose the appropriate repayment cycle according to their own situation. Huimin Taiwan supports loan repayment. If users have extra funds, they can repay in advance, and there is no handling fee for prepayment.

2 Bank of Communications Huimin loan application conditions:

If you want to apply for a Huimin loan from Bank of Communications, the borrower needs to meet the loan conditions, generally the following conditions:

(1) The borrower is a legal China citizen aged 18;

(2) Applicants need to have a stable job and income. General requirements in the current work for more than half a year;

(3) The applicant has a good personal credit record. Huimin Taiwan is a bank product, and it is necessary to conduct credit investigation.

(4) The applicant needs to open a personal savings card account in Bank of Communications, and the Bank of Communications will pay the salary on his behalf;

(5) The applicant must be a mortgage loan user of Bank of Communications. Users who meet the above conditions can try to apply for a loan from Bank of Communications. After the user obtains the loan, he can repay it according to the regulations.