Legal analysis: Under normal circumstances, if the bank loan is not repaid, you will not go to jail. After the loan expires, the bank will notify the borrower to repay. If the repayment has not been made, the bank will send someone to negotiate. When encountering special difficulties, as long as both parties negotiate how to repay, or repay slightly, it is not a malicious breach of contract. However, if you cheat during the loan period, you will go to jail. Moreover, if the bank still refuses to return it after twice urging, it may be investigated for criminal responsibility for credit card fraud.

Legal basis: Article 64 of the Civil Procedure Law of People's Republic of China (PRC), as a lender, shall submit to the court the creditor's rights certificates such as IOUs, receipts and IOUs that can prove the existence of the legal relationship between lending and borrowing. If the defendant claims that the loan has been repaid, it shall provide evidence to support it. If he has no evidence, he needs to bear the legal consequences of failing to prove it. In the case of winning the case, the other party still refuses to repay. You can apply to the court for enforcement. The court will deduct and auction the defendant's property, and the legal fees and execution fees will be borne by the defendant.