Malicious loan means that the lender still applies for a loan to satisfy himself when it is clear that he does not have the repayment ability. If the lender's loan purpose is not true, but false, and the proof of repayment ability is also false, this situation belongs to malicious loans. This may face the crime of loan fraud determined by law, requiring the lender to bear the civil repayment responsibility when the loan amount is not large.

Consequences of not repaying bank loans.

1. overdue for more than 90 days, if the circumstances are serious, can be regarded as malicious overdue, and bank collection may also cause life pressure to yourself and your family, affecting the normal life of individuals and families;

2. If you are sued to the court for failing to repay the loan after the execution of the court judgment, you can report to the Supreme People's Court and enter the "list of people who have broken their promises", which is also commonly known as the "laolai list", and you will be prohibited from traveling by high-speed rail.

3. It has an impact on personal credit records, and bad credit records become obstacles to future loans such as mortgages and car loans and credit card processing;

4. The bank will take certain collection measures. In the initial phone call, if the loan is really overdue, you can explain your actual situation to the bank and try to apply for an extension, depending on different bank regulations;

5. In terms of overdue fees, there will be some fees such as liquidated damages and penalty interest, which need to be collected according to the contract. Different institutions and different loan products charge different liquidated damages or penalty interests;

Criteria for filing the crime of malicious loans

Anyone who defrauds a bank or other financial institution of loans for the purpose of illegal possession, with an amount of more than 1 000 yuan, shall file a case for investigation. Whoever defrauds a bank or other financial institution of loans, bill acceptance and financial bills by fraudulent means, thus causing heavy losses to the bank or other financial institution or having other serious circumstances, shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention and shall also, or shall only, be fined; Whoever causes particularly heavy losses to banks or other financial institutions or has other particularly serious circumstances 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.