Legal analysis: Overdue loans may have the following consequences: 1. Penalty interest. Although the policies of every banking institution are the same, as long as the payment is overdue, penalty interest will accrue, that is, a certain percentage of interest will be charged on top of the original interest. 2. Being listed as dishonest will affect future loans and real estate purchases. After the due date, bad records will inevitably be left on your credit report. If the circumstances are serious, not only will the person be included in the list of dishonest persons subject to enforcement, but it will also affect future real estate loans. 3. Facing litigation issues.

Legal basis: "Notice of the People's Bank of China on Issues Concerning RMB Loan Interest Rates" Article 3 Regarding the issue of penalty interest rates. The penalty interest rate for overdue loans (loans where the borrower fails to repay on the date stipulated in the contract) will be changed from the current interest rate of 2.1% per day to an additional 30%-50% of the loan interest rate stated in the loan contract. %; if the borrower fails to use the loan for the purpose stipulated in the contract, the penalty interest rate will be changed from the current daily interest rate of 0.5% to an additional 50%-100% of the loan interest rate stated in the loan contract. For loans that are overdue or not used for the purpose stipulated in the contract, interest will be charged at a penalty interest rate from the date of overdue or the loan is not used for the purpose stipulated in the contract until the principal and interest are repaid. For interest that cannot be paid on time, compound interest will be calculated based on the penalty interest rate.