The consequences of non-repayment of credit loans are as follows: 1. Lending institutions will collect loans according to law. According to the loan contract and guarantee contract (mortgage or pledge contract), the loan bank will sue the court, and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of the loan guarantor and sealing up the pledged property. 2. Credit will be affected, and personal loans will also be recorded as overdue loans in the national personal credit information consultation system. 3. If you provide false information or false information when you borrow money, the lending institution may sue you for defrauding the loan. If the fraudulent loan is true, it may be sentenced for fraud. Article 193 of the criminal law

Legal objectivity:

Article 42 of People's Republic of China (PRC) Commercial Bank Law stipulates that the borrower shall repay the loan principal and interest on schedule. If the borrower fails to repay the secured loan at maturity, the commercial bank has the right to require the guarantor to repay the principal and interest of the loan or give priority to the repayment of the collateral. Real estate or equity acquired by a commercial bank due to the exercise of mortgage or pledge shall be disposed of within two years from the date of acquisition.