If the relevant institution determines that it is really unable to repay, it shall negotiate with the bank or lending institution to extend the repayment period or return it by stages. What if the loan money is not: 1? If a lending institution or bank fails to perform the judgment of the court during the performance period after suing the court, it will apply to the court for enforcement. 2. When accepting enforcement, the court will inquire about the real estate, vehicles, securities and deposits in the name of the lender according to law. 3. If the lender refuses to perform the effective judgment of the court because there is no enforceable property under his name, negative information such as overdue repayment will be recorded in the personal credit report, which will restrict high consumption and entry and exit, and may even lead to judicial custody.

legal ground

Article 673 of the Civil Code of People's Republic of China (PRC): If the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.

Article 676 of the Civil Code of People's Republic of China (PRC) If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.