If the bank loan is not repaid, the banking institution will take a series of measures as follows: 1. The bank will call the borrower to collect debts. 2. If the borrower still fails to repay the debt after debt collection, there will be a certain penalty interest and a bad credit record for himself. 3. If the borrower still fails to repay the loan, the bank will send relevant staff to collect it in person. 4. If the borrower fails to repay the loan until the end, the bank will take legal measures to protect its rights and interests through law. If the borrower applies for a mortgage loan, the collateral will be auctioned by the court, and then the proceeds from the auction will be used to repay the loan.

Legal objectivity:

Article 71 of the General Principles of Loans: In any of the following circumstances, the lender will charge interest on part or all of its loans; If the circumstances are particularly serious, the lender shall stop paying the unused loan of the borrower and recover part or all of the loan in advance: 1. Failing to use the loan for the purpose specified in the loan contract. Second, the use of loans for equity investment. Third, engage in speculative business with loans in securities and futures. Four, the borrower who has not obtained the qualification of real estate business according to law uses the loan to operate the real estate business; Borrowers who are legally qualified to operate real estate engage in real estate speculation with loans. Five, not according to the provisions of the loan contract to pay off the loan principal and interest. 6. Borrowing money from each other to obtain illegal income.