1, if it is just unable to repay, it will not be sentenced. The inability to repay the loan is an ordinary civil dispute. Civil disputes will not be sentenced, only the charges will be sentenced. But the bank will sue the court because the borrower is unable to repay the loan. Then the court will order the borrower to repay, but because the borrower is unable to repay, it will seize the borrower's assets and be blacklisted in the credit information system.

2. If it is characterized as loan fraud in the crime of financial fraud, it will be sentenced to fixed-term imprisonment of more than ten years or life imprisonment. If it is proved that false documents, economic contracts or false guarantee certificates were used when applying for bank loans, it can be classified as loan fraud. According to the relevant laws and regulations, in the crime of loan fraud, if the amount is especially huge or there are other particularly serious circumstances, it shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan or confiscation of property. If you owe the bank a loan of 500,000 yuan and it is proved that there is fraud in the loan, the worst result is that you are convicted of loan fraud on the grounds that the amount is extremely huge or there are other particularly serious circumstances, and you are sentenced to fixed-term imprisonment of more than 10 years or life imprisonment, and you are also fined more than 50,000 yuan but less than 500,000 yuan, or your property is confiscated.

legal ground

Criminal law of the people's Republic of China

Article 193 The crime of loan fraud involves defrauding a bank or other financial institution of a loan for the purpose of illegal possession under any of the following circumstances. If the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) fabricating false reasons such as introducing funds and projects;

(two) the use of false economic contracts;

(3) using false documents;

(four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral;

(5) obtaining loans by other means.