First, the conditions for lending to banks.
Due to the epidemic situation, many people will choose to borrow from banks when the capital turnover is not enough, so if they want to approve loans from banks, they must meet the conditions of banks. First of all, bank loans must be at least 18 years old and have full capacity for civil conduct. If you are a minor, the bank will not lend you money. There must also be a valid resident certificate and identity certificate. If it is a very large personal loan, then you need to meet the conditions of collateral required by the bank. Once you don't repay the loan, the bank will auction your collateral. Most importantly, your personal credit information should be good. Because now is a credit society, if your credit information is tainted, then the bank will definitely not lend you the loan, and no one is willing to lend money to people who don't speak credit. And you must have the ability to repay the loan yourself, otherwise the bank will suffer, and he will certainly not lend you the money.
Second, the consequences of bank loans not being repaid.
If the bank does not repay the loan, the consequences will be very serious. First of all, the lending bank is networked with the central bank's credit information system. If you don't pay back the money, you will be reported to the central bank's credit information system, which will lead to a stain on your credit information. It will be very troublesome to borrow money in the future. And there will be a penalty interest, and the amount of penalty interest will increase with the longer you are overdue. The most important thing is that there may be a short message collection. If you don't return it, you will be sued to the court. So the influence is very bad.
To sum up, borrow as much as you can, and don't lend blindly, which will lead to failure, so the consequences are very serious.