If it is a one-time payment, the bank will call you to urge you to pay it back. If you don't pay it back, you will deduct it from the mortgaged salary card. If you can't deduct the money, the bank will send you a lawyer's letter, but your account will not be frozen.

This is a formal procedure, but some banks are irresponsible and loans overdue will not inform you. After a year or so, they will send you a reminder letter directly, and the interest is rolling in, which is staggering, so I still try to contact him and ask him to pay it back quickly.