What will happen if the bank loan of 200 thousand is overdue? Strictly speaking, the loan owed to the bank is likely to be a civil economic dispute, and the lender will generally not go to jail. However, if the court has the ability to repay the loan after the ruling, then the court will apply for compulsory execution and pursue the corresponding obligations, excluding the possibility of pursuing criminal responsibility, which is likely to constitute a crime of refusing to execute the ruling. This is probably going to jail.

In accordance with the relevant provisions, those who refuse to implement the ruling or judgment of the people's court have the power to enforce it. If the circumstances are serious, they shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine. More than 200,000 yuan is a large loan amount. If criminal liability is involved, the lender may be sentenced to fixed-term imprisonment of up to 7 years and fined. If you really can't repay the loan, but don't want to sue, the lender should try to call the bank before the repayment date comes and ask for repayment.

Don't lose contact, because losing contact is a malicious overdue loan or even a deliberate loan fraud. If the loan is repaid after three months, the bank may run legal procedures and bring a lawsuit to the court. At that time, the lender may receive a lawyer's letter or a court summons. After the prosecution, the court will mostly freeze all the property under the lender's name, and the situation will be irreparable.

The repayment has exceeded the principal. Do you still need to return it? Repayment interest exceeds capital. If it is a financial loan, the interest rate of the financial loan shall not exceed 24%. Even if the repayment interest exceeds the principal, the customer must repay in full. If the repayment is not made in full, it will be regarded as customer loans overdue. However, if the interest rate of financial loans exceeds 24%, some users with interest exceeding 24% may not pay it back, but those with interest less than 24% must pay it back in full.

For private lending, the judicial maintenance interest rate is limited to 4 times of one-year LPR, that is, the loan interest rate does not exceed 4 times of one-year LPR, and the repayment interest exceeds the cost, so the customer must repay the loan according to the specified amount. However, the interest rate is more than four times that of the one-year LPR, and the extra interest need not be repaid. Interest customers still need to repay within a reasonable and legal interest rate range.

Therefore, whether the interest should be repaid in full depends on the loan interest rate. Even if the repayment interest exceeds the capital, as long as the loan interest rate is within the legally recognized range, the customer must repay in full.