1. Loan: The lender may send a collection notice to the borrower, demanding to pay off the arrears, and may add a penalty interest. If the borrower still fails to repay the loan, the lender can take further actions, such as bringing the borrower into the credit information system or recovering the arrears through legal means.

2. Credit impact: overdue repayment will have a negative impact on personal credit records and reduce credit rating. This may cause borrowers to encounter difficulties in applying for loans, credit cards or other financial products in the future, and may face higher interest rates or be rejected.

3. Collection measures: The lender can entrust a professional collection agency to carry out collection work, and they can contact the borrower by telephone, SMS, door-to-door and other means to urge repayment. In extreme cases, the collection agency may take legal measures, such as suing the borrower or applying for enforcement.

Summary: If the loan is overdue for ten days, the borrower may face problems such as collection notice, penalty interest, credit damage and legal risk. Therefore, timely repayment of loans is an important measure to safeguard personal credit and avoid adverse consequences.

Extended data:

In China, overdue repayment has become a common problem. According to relevant data, the scale of overdue loans has been expanding, which has attracted great attention from financial institutions and the government. In order to regulate the lending market, the China Municipal Government has promulgated a series of laws and policies to supervise and crack down on overdue behavior. These measures include strengthening the construction of credit information system, improving collection ability and increasing legal sanctions, aiming at urging borrowers to fulfill their repayment obligations more consciously and protecting the legitimate rights and interests of financial institutions.