Legal analysis: the consequences of not repaying bank loans: 1. The borrower's credit is affected. Because the bank pays more attention to the borrower's personal credit, if the loan is not repaid, the personal credit will be affected, which will directly affect the borrower's future loans. 2. Penalty interest will increase the repayment pressure in the future. If the borrower fails to repay the loan, there will be a penalty interest as time goes on, which will increase the repayment pressure of the borrower. 3. After one or two months in loans overdue, the bank will not immediately notify the borrower to repay. If it fails, the bank will have a special person to communicate with the borrower. 4. If the communication fails, the borrower provides collateral as a mortgage loan, and it cannot be repaid after repeated dunning, and the collateral will be auctioned to repay the loan.

Legal basis: Article 12 of the General Principles of Loans. If the borrower fails to repay the loan on schedule, it shall apply to the lender for loan extension before the loan expires. Whether the extension is decided by the lender. When applying for secured loan, mortgage loan or extension, the guarantor, mortgagor and pledger shall also issue a written consent certificate. If there is an agreement, it shall be implemented in accordance with the agreement. The cumulative extension period of short-term loans shall not exceed the original loan period; The cumulative extension period of medium-term loans shall not exceed half of the original loan period; The cumulative extension period of long-term loans shall not exceed 3 years. Unless otherwise stipulated by the state. If the borrower fails to apply for extension at the end of the extension period or the application is approved, his loan will be transferred to the overdue loan account from the day after the maturity date.

Second, what are the consequences of college students' entrepreneurial loans?

When starting a business, many college students will choose to apply for a business loan. But starting a business is risky, and many people have encountered the failure of starting a business. Then, what will happen if college students do not start a business loan? I'll introduce it to you today.

If the college students' business loan is not paid, the bank will issue a loan reminder notice. If you still don't pay it back, it will arrive, freeze your assets and the assets of the loan guarantor, and seal up the collateral. Banks can repay loans by auctioning collateral.

Moreover, college students' entrepreneurial loans will not lead to bad personal credit, and it will be more difficult to handle other loan business in the future.

3. Interest-free conditions for college students' entrepreneurial loans of 200,000 yuan?

In order to encourage college students to start businesses, some banks can apply for 200,000 interest-free loans for college students to start businesses. Applicants need to meet the following conditions:

1.35 years old;

2. Graduation is no more than 2 years;

3. Get a college degree or above;

4. Have a certain ability to operate funds, such as having business licenses, tax registration certificates and other basic materials of enterprises;

5. Have legal information to prove your identity, such as an ID card.

Fourth, what are the consequences of college students' entrepreneurial loans?

Entrepreneurship requires a loan. But starting a business is risky, and many people have encountered the failure of starting a business. Then, what will happen if college students do not start a business loan? I'll introduce it to you today.

If the college students' business loan is not paid, the bank will issue a loan reminder notice. If you still freeze your assets and the assets of the loan guarantor and seal up the collateral, the bank can repay the loan by auctioning the collateral.

Not only that, college students' entrepreneurial loans have bad credit and will be dealt with in the future.