If the borrower fails to repay the bank loan on time, the banking institution will take the following measures:

1. The bank will call the borrower to collect debts.

2. If the borrower fails to repay the loan 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 the debt in person.

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 funds obtained from the auction will be used to repay the loan.