Legal analysis: loans overdue may produce the following results: 1, penalty interest. Although the policy of every banking institution is the same, as long as it is overdue, there will be a penalty interest, that is, a certain percentage of interest will be added on the basis of the original interest. , included in the loss of trust, affecting future loans and the purchase of real estate. After the deadline, the credit report will inevitably leave a bad record. If the circumstances are serious, it will not only be included in the list of untrustworthy executors, but also affect future real estate loans. 3. facing litigation problems. Generally speaking, after a certain period of time is overdue, the bank will issue a collection notice. If the collection fails, the bank will sue the borrower and safeguard the legitimate rights and interests through legal means.

Legal basis: Article 667 of the Civil Code of People's Republic of China (PRC). If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations.