2. Have a bad credit record, which will affect future loans and credit card processing.

3. You can't enjoy preferential loans or even apply for loans.

4. Close the blacklist, children can't go to key schools.

5. Affect your career.

6. The bank sent a lawyer's letter to the court for prosecution. If you don't pay the bill for more than 3 months, it will be very serious! If the loan bank collects the loan according to law, it will bring a lawsuit to the court according to the loan contract and guarantee contract (mortgage or pledge contract), and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of the lender and loan guarantor and sealing up the pledged property.

7. After the judgment comes down, it will be enforced.

8. Those with serious circumstances will be punished by law.

If loans overdue exceeds a certain period, the relevant records of overdue users will be transmitted to the personal credit information system of the central bank. In addition to uploading overdue information to the central bank's personal credit information system, Lending will continue to cooperate with third-party credit information agencies such as Qianhai Credit Information, Shanghai Credit Information and Pengyuanzheng Credit Information.

Actions that can be taken against people who break their promises:

1. Some high-consumption behaviors are prohibited, including taking soft sleepers on airplanes and trains.

2. It is to implement other credit punishments, including restricting loans from financial institutions or handling credit cards.

3. If the person subjected to execution is a natural person due to dishonesty, he shall not be the legal representative, director, supervisor or senior manager of the enterprise.

Article 207 of the Contract Law stipulates that "if the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations".

Penalty interest will be charged if it is overdue. From the overdue date, default interest will be charged at the agreed interest rate 150% every day until the payment is overdue. Your overdue record will be collected by the People's Bank of China, which will affect your credit record. Please cherish your credit and repay on time.

For loans that are overdue or not used according to the purpose agreed in this contract, interest will be charged at the default interest rate from the date when they are used in loans overdue or not according to the purpose agreed in this contract until the loan principal and interest are fully paid off. For the interest that cannot be paid on time, compound interest shall be calculated at the penalty interest rate.