Loans overdue should pay overdue interest and liquidated damages, and loans overdue will not affect personal credit investigation. If the bank has a record of dishonesty and refuses to implement the loan after the impact, it will be included in the list of untrustworthy executors by the court to limit high consumption.

Legal objectivity:

Interim Measures for the Administration of Personal Loans Article 39 With the consent of the lender, personal loans may be extended. For personal loans within one year (inclusive), the cumulative extension period shall not exceed the original loan period; For personal loans of more than one year, the cumulative extension period and the original loan period shall not exceed the maximum loan period stipulated by the loan variety.