1. The bank will take certain collection measures. During the initial phone call, if the loan is indeed repaid, you can explain your actual situation to the bank and try to apply for an extension. This depends on the regulations of different banks. ;

Note: Extension will be regarded as negative information in the credit report, indicating that there are certain problems with your repayment ability, but it is still better than overdue.

2. If you are overdue for more than 90 days, if the circumstances are serious, it can be regarded as malicious overdue, and the bank's collection may also cause pressure on yourself and your family, affecting the normal life of the individual and the family;

3. In terms of overdue charges, there will be some expenses such as liquidated damages, penalty interest, etc., which need to be charged according to the contract. Different institutions and different loan products charge different liquidated damages or penalty interest;

4. It will have an impact on personal credit records. A bad credit record will become a hindrance to future mortgages, car loans and other loans, as well as the application of credit cards;

5. If the loan cannot be repaid, If you are sued to the court and still fail to repay the debt after the court's judgment is executed, you can report it to the Supreme People's Court and enter the "list of dishonest persons subject to execution", also commonly known as the "list of dishonest people", and you will be prohibited from traveling by airplane, high-speed rail, etc.