For the problem of overdue loans by banks, banks handle it in the same way. For the owners who pay less than 1 and are overdue for the third month, banks usually use the method of telephone collection, which is convincing. Most customers failed to return it on time because they forgot, it was inconvenient to deposit and pay when they went out. These are the types of education. 2. The owners who are overdue for 3-6 periods have great pressure on the assessment of the loan manager at that time, which will be directly linked to their bonuses. Therefore, the managers at this stage will focus on collection and take the forms of telephone, home visits and letters; 4, once the prosecution, the nature is very bad, generally handled by the law firm entrusted by the bank, the bank staff will not intervene. Therefore, it is difficult for all parties to adjust at this stage. Once the court decides, it will enter the procedure of handling property. This is a rather long process. Usually, real estate is auctioned by auction house. It is precisely because the whole process is quite time-consuming and involves a lot of manpower, material resources and financial resources that banks are reluctant to go this far, and the overdue situation is directly linked to the income of managers and handling banks, so banks can generally control the overdue time within six periods and will not intentionally sue the parties. Some people want to escape, which is a very naive idea. The bank is not a public security officer and will not pursue it personally, but it will entrust a professional recovery company to implement it. In addition, now all the information of lenders is archived in the bank, so basically, as long as you don't go abroad, you won't be unable to find it. Besides, it's not worth running away for those pennies! If you want to cheat a loan, cheat a bigger one at a time. The crime is the same anyway:)