1. The loan bank will urge the loan to be received in accordance with the law. According to the loan contract and guarantee contract (mortgage or pledge contract), the loan bank will bring a lawsuit to the court, and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of you and the loan guarantor and sealing up your pledged property. After the judgment is made, the property will be enforced according to law (after deducting deposits, 2. Auction collateral, etc. ) to repay the bank's loan losses. Specifically, it includes: loan principal, loan interest, overdue interest, penalty interest, all litigation expenses arising therefrom, and related expenses incurred when the collateral (pledge) is realized. Your credit will be affected. If you take the company as the borrower, you will be credited to the national bank credit information system, and the loan in your personal name will also be credited to the national personal credit information system for overdue loans. If the lending bank doesn't erase your records, you may not be able to get loans from all banks in the future. 4. If you are not maliciously in arrears with the bank loan and are able to pay the interest on the normal loan, I suggest you apply to the loan bank for loan extension first, stating your willingness to repay, and there is no fact of repaying the loan for the time being and no plan for repayment in the future. Normally, the bank will help you.