1. legal proceedings: loans overdue is likely to trigger the borrower to take legal measures and demand the debtor to perform the debt through prosecution. In legal proceedings, the interpretation of overdue loan contracts and relevant evidence will be considered, and the court will weigh the rights and interests of all parties to make a judgment.
2. Criminal charges: In some cases, especially when there is no willingness to repay, loans overdue may constitute fraud or other illegal acts and be regarded as a criminal offence. In this case, the debtor may face the risk of imprisonment or other punishment.
3. Specific identification: Whether it constitutes a criminal offence depends on whether the debtor's behavior and intention are illegal. If the debtor is unable to pay the debt due to objective reasons, such as sudden economic difficulties or other difficult situations, criminal responsibility will not be investigated under normal circumstances.
To sum up, loans overdue may lead to prosecution, criminal charges and even imprisonment, but the specific situation will be different due to various factors involved. When facing loans overdue, individuals should communicate with creditors as soon as possible, seek solutions, and try to avoid falling into legal disputes. For debtors, we should focus on safeguarding their legitimate rights and interests, such as negotiating with creditors to adjust repayment plans or seeking legal assistance.
It should be emphasized that this answer only illustrates the situation in China and cannot be applied to other countries or regions. For more detailed information, please consult local legal institutions or professionals.