Legal analysis: No, according to the regulations of the People's Bank of China, those who have owed bank loans for three consecutive times or accumulated for 90 days and cannot repay them will be blacklisted by the credit information system. If the bank loan is returned, the loan and other related businesses can be handled normally after ten years.

Legal basis: Article 680 of the Civil Code of People's Republic of China (PRC) prohibits high-interest lending, and the lending rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.