The consequences of loans overdue are as follows:

1, loans overdue, the borrower will form a bad credit record, which will affect the borrower's future financial lending affairs and credit application.

2. The Borrower has paid overdue penalty interest and liquidated damages. The longer the overdue period, the more the borrower repays.

3. If the overdue period is long and the amount is large, the lending institution may request it. After the judgment, the borrower still fails to repay the loan, and the borrower will be included in the "list of untrustworthy executors" and will not be able to take high-speed trains or planes in the future.

Extended data:

What about going to loans overdue?

In order to contact the lending institutions in time, loans overdue explained the reasons for settling the arrears. If it is temporarily unable to repay for some reason, it may apply to the lending institution for an extension of repayment to ensure repayment after maturity. Or borrow money from relatives and friends, pay back the money owed to the lending institution first, and then find ways to raise money and return it to friends, which can also reduce the loan interest.

If you just forget to change it, just pay back the arrears in time. Don't ignore after loans overdue. Overdue loans will generate interest, interest will be compounded monthly, and interest will be higher and higher. Secondly, you will go to the credit, which will have a certain impact on your personal credit, and it will be more troublesome to apply for cards and loans in the future.

What will happen to bank loans?

If it's not on yet, it's overdue. If it is overdue, there will be some bad effects. The analysis is as follows:

1, 50% penalty interest and 5/10000 overdue fine will be charged. And it is calculated according to compound interest. The longer the overdue period, the more money you have to pay.

2. After the personal credit report is overdue, it will leave a bad record. With a bad record, it will be very difficult to buy a house, a car and a credit card in a bank loan, including online loans, because now the "Xinlian" has been established, and both banks and online loans will receive credit reports in the future. The information of Xinlian is shared by the loan platform. So there will be records in the expired places.

3. A few days overdue, the bank just sends a text message to remind the user to repay. After one month overdue, the bank customer service will call the user to urge repayment.

4. If the user fails to repay after two months, the bank will forward it to the debt collection company, and the debt collection company will call your family and users for collection. Then the attitude will be bad.

If it doesn't arrive after three months, the bank will start the judicial process, and then the user will receive a lawyer's letter or summons. At that time, users' assets, including real estate, cars and bank accounts, will be frozen, and if there are funds in the bank accounts, they will be used for repayment and payment.

6. If this step is reached, users will be blacklisted as "untrustworthy". If they are blacklisted, they can't fly, take the high-speed train, stay in star-rated hotels, be leaders, directors or board members of enterprises, even bring trouble to their families, and their children can't attend private schools. If the circumstances are serious, they will be sentenced.

7. Therefore, it is best not to owe money to the bank. The consequences will be serious. The loan should be repaid on time. If you do have difficulties, you can take the initiative to consult with the bank, and the bank will reduce some overdue interest according to the actual situation.

Extended data:

1. Generally speaking, every bank will charge a certain amount of interest for overdue repayment, which is different for each bank, and is generally five ten thousandths of interest. However, the value date should be calculated from the date of consumption, not from the day after the last repayment date.

2. The minimum repayment amount can be paid before the total recommended amount is paid, which will not affect the credit line. At the same time, there will be a buffer period, so that the bank can know the flow of funds in your account in time and will not freeze the account.

3. When the credit card (debit card) holder chooses the minimum repayment method or uses the card that exceeds the credit limit approved by the issuing bank, he will no longer enjoy the interest-free repayment period, and the overdraft interest will be calculated at the specified interest rate from the bank bookkeeping date.

Credit card has two concepts: billing date and repayment date (also called the last repayment date). Bookkeeping date is the date of transaction settlement in a bookkeeping cycle, and repayment date is a repayment cycle. Because you can't get back in touch with customer service, it doesn't rule out that you misunderstood the customer service staff's explanation or that the customer service staff's statement was unclear or even incorrect.

5. The repayment date is mainly used by the bank to judge whether the cardholder has a malicious overdraft tendency and judge the cardholder's economic situation. Therefore, repayment after the last repayment date will inevitably lead to overdue records. Whether this record can be changed from the central bank requires further consultation between you and the issuing bank.