You will not go to jail if you owe a bank loan and are unable to repay it.

You only need to bear civil liability, but the bank files a lawsuit with the court. If the debtor has the ability to execute the judgment or ruling of the People's Court but refuses to execute it, in serious cases he will be imprisoned and will generally be sentenced to less than three years. Imprisonment, short-term detention or fine.

Legal basis: Article 313 of the Criminal Law: Anyone who is capable of executing the judgment or ruling of the People's Court but refuses to execute it, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine; If the circumstances are particularly serious, the offender shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years, and shall also be fined.

If a unit commits the crime in the preceding paragraph, the unit shall be fined, and the person directly in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.