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. In loans overdue for a month or two, the bank will not sue immediately. Generally, the borrower will be called first to urge him to repay the loan. 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.