1. If it is really unable to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments; If the lending institution files a lawsuit with the court and wins.

2. If the court's judgment is not fulfilled during the performance period, it will apply to the court for enforcement; When the court accepts enforcement, it will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law; There is no executable property under the name of the Lender, and the Lender refuses to perform the effective judgment of the court.

3. Negative information such as overdue repayment is recorded in the personal credit report, which is restricted from high consumption and entry and exit, and may even be detained by the judiciary. Basically, it won't affect, and you can repay on time in the future.