Legal analysis: Banks generally deal with borrowers who are overdue in the following four ways: penalty interest for failure to repay in time for 1 month; bank text message warning within 1-3 months; more than 3 months The bank used phone calls to remind people to come to collect the debt; six months later, the bank filed a complaint with the court, and the court sent a summons to the borrower's home and auctioned the collateral to repay the debt. After the user's loan expires, the bank will notify the borrower to repay the loan quickly through advance calls. If the borrower has not yet repaid the loan, the bank will send someone to negotiate and resolve the issue. But if your lending behavior with the bank is fraudulent, you may go to jail.

Legal basis: "People's Republic of China and Civil Code"

Article 673: If the borrower fails to use the loan in accordance with the agreed purpose of the loan, the lender may stop Issue loans, withdraw loans early or terminate the contract.

Article 674 The borrower shall pay interest according to the agreed period. There is no agreement or the agreement is not clear about the period for payment of interest, and it cannot be determined according to the provisions of Article 510 of this Law. If the loan period is less than one year, it shall be paid when the loan is returned; if the loan period is more than one year, It shall be paid at the end of each year. If the remaining period is less than one year, it shall be paid when the loan is returned.

Article 676 If the borrower fails to repay the loan within the agreed time limit, he shall pay overdue interest in accordance with the agreement or relevant national regulations.