Hello! Your statement is very clear, and I can only help you analyze it. Signed an installment mortgage loan contract with the company, but could not continue to perform the contract due to unexpected circumstances. This is a civil dispute, and you won't go to jail.

If you sign a contract with the company and think that after you get the car, you will not return it for various reasons, which may be suspected of fraud. This is going to jail. But they need proof that you have this intention. This is difficult to prove, so in judicial practice, civil litigation is generally based on civil disputes and does not involve imprisonment. I hope I can help you!