1. We will collect term loans according to law. According to the loan contract and guarantee contract (mortgage or pledge contract), we will bring a lawsuit to the court, and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of you and the loan guarantor and sealing up the pledged property. After the judgment is made, the property will be enforced according to law (deducting deposits, auctioning collateral, etc.). ) to repay the bank's loan losses. Specifically, it includes: loan principal, loan interest, overdue interest, penalty interest, and all litigation costs arising therefrom, and related expenses incurred when disposing of pledged property.
Your credit will be affected. If you take the company as the borrower, your company will be recorded in the national bank credit information system, and the loan in your personal name will also be recorded in the national personal credit information system for overdue loans. If the lending bank doesn't erase your records, you may not be able to get loans from all banks in the future.
3. If you are not in arrears with the bank loan in bad faith and are able to pay the interest on the normal loan, it is suggested that you apply to the loan bank for an extension of the loan first, stating your willingness to repay. The fact that you have not repaid the loan for the time being and the plan for repayment in the future will be considered by the handling bank as appropriate.
If you have any questions, please open the homepage of China Merchants Bank in www.cmbchina.com and click "Online Customer Service" in the upper right corner to enter the consultation.