1. Consequences of non-repayment of loans: 1. Lending institutions will collect your overdue loans according to law. According to the loan contract and guarantee contract (mortgage or pledge contract), the loan bank 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. 2. Your credit will be affected, and personal loans will also be recorded as overdue loans in the national personal credit information consultation system. If the loan bank doesn't erase your records, you may not be able to get loans from all banks in the future, your credit information will be blacklisted, your travel may be restricted, you may not be allowed to go abroad by plane, and you may not even be able to buy train tickets in the future. 3. If you provide false information or false materials when you borrow money, the lending institution may sue you for the crime of loan fraud. If the fraudulent loan is true, it may be sentenced for fraud. 2. If the loan is not repaid in advance, you should arrange 1. If money is tight at present or in the short term, you can take the initiative to call the bank and ask for an extension of the repayment period. Banks have this business, and its specialty is called "extension". Although there will be a bad record for the delay, as a bad record, it shows that you have a good willingness to repay, which is different from "malicious breach of contract". 2. If the family changes or encounters difficulties, it is difficult to continue the mortgage. The best way is to sell the property as soon as possible, with part of the house payment as repayment and the rest for personal use. This will be much more than the remaining house payment obtained by bank auction of real estate, and will not be included in the blacklist of banks, and will not affect future loan applications.