The solution for failing to repay the bank loan is as follows: 1. If the money owed to the bank is unable to repay, you can take the initiative to negotiate with creditors to extend the loan period, or adopt installment payment to ease the financial pressure. The borrower may apply to the lender for extension before the repayment period expires; If the lender agrees, it can be extended. Article 678 of the Civil Code: Before the repayment period expires, the borrower may apply to the lender for extension; If the lender agrees, it can be extended. 2. If you don't pay back the money when it is due and don't ask the bank for an extension or installment repayment, the bank may. If the lending institution wins the case and fails to perform the judgment within the performance period, it shall apply for compulsory execution; When accepting compulsory execution, it will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law; If the lender has no property to enforce, refuses to perform the effective judgment, overdue repayment and other negative information will be recorded in the personal credit report, and will be restricted from high consumption and entry and exit, and may even be punished by judicial custody. 3. In practice, there are two different situations in which the debtor is unable to repay: one is temporarily unable to repay. If this is the case, it can be repaid by the debtor in installments. The other is permanent inability to repay. If it can't be paid off permanently, it can only be paid off with the debtor's existing personal property, which requires trial, judgment and execution. That is to say, the creditor can take as much as the debtor has personal property available for execution. : won't you be sentenced for borrowing money? Generally speaking, borrowing money is not a civil matter, so it will not be sentenced. But in daily life, there is a form of borrowing money and not paying it back, which means that this form of borrowing money will not bring you jail. "Borrowing money without paying it back", that is, borrowing money, refers to the behavior of the actor to defraud public and private property by borrowing money for the purpose of illegal possession. This kind of crime happens from time to time in daily life, because criminals usually commit it under the guise of private lending, and it mostly happens between relatives, friends and acquaintances, so it is similar to creditor's rights and debts in civil cases.

Second, what should I do if the bank loan is unable to repay?

Legal responsibility has always existed.

3. owe the bank a loan of 200,000 yuan. What if I can't pay it now?

After consulting with the debtor and obtaining the detailed information of the other party, the debt can be appropriately extended or reduced.

If you don't agree to postpone or reduce the debt, the debtor may take an extension. If there is, it can generally be delayed for half a year to one year.

There is really no money to pay back, even if the winning party knows that the debtor has no money, it can't be executed. Only if the debtor refuses to pay back the money can he be arrested (including judicial custody or be investigated for criminal responsibility for refusing to perform the effective judgment).

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1. What will happen if you don't pay back the money?

Will be fined, and the debtor will bear the liquidated damages; Those who still fail to repay the loan after the judgment, use fictional facts or conceal the truth, and defraud public and private property in a large amount may constitute liability.

According to the implementation of 202 1, the borrower shall repay the loan within the agreed time limit. If the loan term is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may urge the borrower to return it within a reasonable period.

Two, how to determine the amount of arrears litigation?

The object of litigation is the object of dispute and trial between the two parties. When the object of action is the majority, the object of action is the majority. Object of litigation: one of the elements of litigation refers to the legal relationship between the parties that needs people to make judgments because of disputes. Every litigation case has at least one litigation object, but some cases have two or more litigation objects. The amount of the subject matter of litigation is the amount disputed by both parties.

Three, property cases according to the claim amount or price, according to the following proportion of cumulative payment:

1, not exceeding 1, 000 yuan: each piece shall be paid to 50 yuan.

2. More than 6,543.8+0,000 yuan to 6,543.8+0,000 yuan: the amount of the subject matter of litigation × 2.5%-

3.654.38+ 10,000 yuan to 200,000 yuan: the amount of the subject matter of litigation ×2%300 yuan.

To 500,000 yuan: the amount of the subject matter of litigation × 1.5% 1300 yuan.

More than 55,000 yuan to 6,543.8+0,000 yuan: the amount of litigation object × 654.38+0% 3,800 yuan.