The consequences of not repaying the bank loan are: the bank will collect it; Overdue for more than 90 days, if the circumstances are serious, it can be regarded as malicious overdue; Personal credit will be affected, and loans in the name of individuals will be recorded as overdue loans in the national personal credit information consultation system; If you are sued to the court for failing to repay the loan after the execution of the court judgment, you can report it to the Supreme People's Court and enter it into the list of people who have been executed for breach of trust.

legal ground

Article 1 of "Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Disbelief"

If the person subjected to execution fails to fulfill the obligations specified in the effective legal documents, and under any of the following circumstances, the people's court shall include him in the list of people subjected to execution for breach of trust and impose credit punishment on him according to law:

(1) Having the ability to perform and refusing to perform the obligations specified in the effective legal documents;

(2) Obstructing or resisting execution by forging evidence, violence or threats;

(3) evading execution by means of false litigation, false arbitration or concealing or transferring property;

(4) Violating the property reporting system;

(5) Violating the consumption restriction order;

(6) refusing to perform the settlement agreement without justifiable reasons.