It may be frozen. When non-performing loans enter the judicial process, banks will apply to the court for freezing, and the court will freeze your funds one by one.

Non-performing loans, non-performing loans also refer to abnormal loans or problem loans, which refer to loans where the borrower fails to repay the principal and interest of commercial banks on time as agreed in the original loan agreement, or there are signs that the borrower cannot repay the principal and interest of commercial banks on time as agreed in the original loan agreement. China once defined non-performing loans as the sum of non-performing loans, sluggish loans and overdue loans (that is, "one loan exceeds two loans").