Legal analysis: 1. The bank will call the borrower to collect debts. 2. If the borrower fails to repay the loan after debt collection, there will be a certain penalty interest and a bad credit record for himself. 3. If the borrower still fails to repay the loan, the bank will send relevant staff to collect the debt in person. If the borrower fails to repay the loan until the end, the bank will take legal measures to protect its rights and interests through law. If the borrower applies for a mortgage loan, the collateral will be auctioned by the court, and then the funds obtained from the auction will be used to repay the loan.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays it at maturity and pays interest.

Article 671 Where the lender fails to provide the loan on the agreed date and amount, thereby causing losses to the borrower, it shall compensate for the losses.

If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.

Article 675 The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.