1. If the original loan has not been paid off, the loan can be continued, but the original loan cannot be overdue.

2. You can continue to apply for loans with other collateral.

3. loans overdue and the bank does not agree to loan extension or refinancing, and does not cooperate with the bank's post-loan management or actively repay, it will be blacklisted.

4. If it is not returned, the bank will execute the collateral, but the loan cannot be paid off after the collateral is disposed of, and other assets of the borrower will also be disposed of, and personal credit information will have a bad record.

5. In the past, loans overdue was unable to repay. No matter what collateral is taken, banks generally will not accept it because borrowers have bad credit records.