1. Default interest and overdue fine in loans overdue: the bank will charge overdue default interest and overdue fine according to the contract. Overdue penalty interest is the extra interest calculated according to the overdue amount and interest rate, and the overdue fine is calculated according to the proportion of overdue days.

2. Termination of the loan contract: The bank has the right to terminate the loan contract and require the borrower to repay the loan and related expenses in full. After the loan contract is terminated, the borrower can no longer enjoy the loan rights and interests.

3. Credit records are damaged: banks will submit overdue records to credit reporting agencies, which will damage the credit records of borrowers. Damage to credit records will affect the credit evaluation of borrowers in loans and credit card applications of other financial institutions.

4. Collection and legal proceedings: banks can collect overdue payments by telephone, SMS, door-to-door and other means. If the borrower refuses to repay or is unable to repay, the bank has the right to take legal procedures to enforce the borrower through the court, and even auction the borrower's property to repay the debt.

5. Debt handling: In case of serious overdue, the bank may transfer the creditor's rights or entrust a third party to handle the debt. Debt disposal may include asset seizure, auction or sale to recover debts as much as possible.

To sum up, a bank in loans overdue for three months will cause the borrower to face high penalty interest and late payment fees, the contract will be terminated and repaid in full, and the credit record will be damaged, which may lead to collection and legal proceedings, and debt treatment may occur.

Extended data:

According to China's relevant laws and regulations, banks have the right to take the above measures to protect their legitimate rights and interests. Different banks may have different specific operations, but generally speaking, three months in loans overdue is a serious situation, and banks will take corresponding measures to collect debts. The borrower should carefully read the terms of the contract before the loan, and fulfill the repayment obligation on time to avoid the adverse consequences caused by overdue. If the borrower cannot repay the loan in time due to financial difficulties, he should communicate with the bank as soon as possible and strive for reasonable repayment arrangements.

These are the consequences of three months in loans overdue. Loans overdue is not desirable, and the borrower should make every effort to repay the loan on time to maintain a good credit record and healthy financial relationship.