1. The loan bank brings 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 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.

Your credit will be affected. If you take the company as the borrower, your company will be recorded in the national bank credit information system, and the loan in your personal name will also be recorded in the national personal credit information system for overdue loans. If the lending bank doesn't erase your records, you may not be able to get loans from all banks in the future.

What if the enterprise loan is not repaid?

First, take the initiative to negotiate with the bank. As we all know, escape is not the solution to the problem. Many loan applicants are at a loss when the loan is not repaid. In fact, in this case, you should immediately communicate with the lending institution to solve it. Whether it is to extend the loan term or reduce the repayment amount of each installment, it is a good solution.

Second, apply for a temporary loan from a small loan company. At present, loan applicants will apply for loans from banks first, and microfinance companies have small customer groups and low quality. In order to expand their business, many small loan companies have launched temporary loan products.

For most temporary loan products, the loan period will not be too long, and it will definitely not exceed one year. For the purpose of temporary loan repayment, the application will generally not exceed three months. But it can also solve the urgent need for enterprises that urgently need to repay bank loans.