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Can I really not repay the loan?

There are no consequences for loan money:

If you really do not have the ability to repay, you should negotiate with the lending institution to extend the repayment period or repay it in installments;

If the loan institution fails to fulfill the court's judgment within the performance period after winning the lawsuit in court, it will apply to the court for compulsory execution;

When accepting compulsory execution, the court will inquire about the properties and vehicles in the name of the lender in accordance with the law. , securities and deposits;

The lender does not have enforceable property in its name and refuses to fulfill the court's effective judgment. Negative information such as overdue repayment will be recorded in the personal credit report and high consumption will be restricted. and entry and exit, and may even be subject to judicial detention.

Basically there will be no impact, just repay on time in the future.