1. Will you go to jail if you owe a bank loan?

If you don't pay back the bank loan, you won't go to jail.

However, if the bank has filed a lawsuit with the court, after the court makes a judgment, the borrower refuses to perform the judgment, which may seriously constitute a crime of refusing to execute the judgment and may be jailed.

Article 3 13 of the criminal law

Refusing to execute the judgment or ruling of the people's court, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.

If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.

Second, what are the consequences of overdue?

1. If it is overdue, penalty interest will be added.

No matter what kind of online loan is applied for, once the repayment is overdue, the lending institution will not only inform the borrower to repay in time, but also charge a penalty interest (some products also have liquidated damages) according to the corresponding standards.

2. Overdue records are recorded in credit information.

Although the application for flowers, borrowings and IOUs mainly refers to the sesame credit score and the third-party credit score of the parties. Only when the credit score reaches the standard can you apply. However, once overdue, it may be reported to the central bank's credit information system, such as Alipay. Although many online loans have not yet been connected to the credit information system, it may not be long before they are connected to the credit information system.

3, will be a variety of collections.

If the borrower fails to repay the loan within the time limit, the lender will go through the collection procedures in order to recover the arrears, such as SMS collection, telephone collection, door-to-door collection and so on. At that time, not only will your life be affected, but if you leave emergency contact information or read the address book, then the relatives and friends of the parties will also be harassed by various collection calls.

4. Will be blacklisted by the bank.

People blacklisted by banks will not be able to take planes, high-speed trains, accommodation, etc. More seriously, children will not be able to go to key schools; There will be more punishments in the future, so it can be said that life is hard.

Credit card arrears are civil disputes and generally do not need to go to jail. However, if the cardholder's behavior is suspected of credit card fraud, he may be sentenced to fixed-term imprisonment of not more than five years, and the specific punishment needs to be determined according to specific cases. If the credit card is not returned, the cardholder can borrow money from family and friends, pay the credit card debt first, and then pay it back to family and friends when he has the ability.