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 basis: Article 53 of the Constitution of People's Republic of China (PRC). People's Republic of China (PRC) citizens must abide by the Constitution and laws, keep state secrets, cherish public property, observe labor discipline, observe public order and respect social morality.