When the arrears are overdue, collect the loans; If it is overdue for more than 90 days, bring a lawsuit to the court: according to the loan contract and guarantee contract (mortgage or pledge contract), the loan bank brings a lawsuit to the court, and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of the lender and loan guarantor and sealing up the pledged property. What are the consequences of the loan money?

If it is really unable to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments;

If the lending institution fails to perform the judgment of the court within the performance period after suing the court and winning the case, it will apply to the court for enforcement;

When accepting enforcement, the court will inquire about the real estate, vehicles, securities and deposits under the lender's name according to law:

If the lender has no executable property under his name, refuses to perform the effective judgment of the court, and the negative information such as overdue repayment will be recorded in the personal credit report, and will be restricted from high consumption and entry and exit, and may even be punished by judicial custody.

Basically, it won't affect, and you can repay on time in the future.