Non-repayment of debts is a civil dispute, and the court will make a judgment according to law, requiring the debtor to bear civil liability, which does not involve administrative or criminal liability. If the debtor violates the rules of the court or violates judicial administration in the proceedings, the court may detain him for a maximum of 15 days.

The consequences of not repaying the loan are as follows: 1. The borrower needs to pay the corresponding liquidated damages or penalty interest according to the contract. Second, bring a lawsuit. If the borrower fails to pay back the money, the lending institution may bring a lawsuit to the court. If the borrower loses the case, he will not only face the auction of assets to pay off debts, but also bear legal fees, preservation fees, execution fees and attorney fees. Third, personal credit information is affected. At present, many lending institutions have been networked with the credit information system of the People's Bank of China, and the credit stain of borrowers' non-repayment will soon be uploaded to the central bank's credit information system, so it will be very difficult to obtain loans through other lending institutions.

What will happen if the loan is not?

1. The borrower's credit is affected. Because the bank pays more attention to the borrower's personal credit, if the loan is not repaid, the personal credit will be affected, which will directly affect the borrower's future loans.

2. Penalty interest will increase the repayment pressure in the future.

3. If loans overdue is in a month or two, the bank will not sue immediately. Generally, the borrower will be called first to urge him to repay the loan. Otherwise, the bank will have a special person to communicate with the borrower.

4. If the communication fails and the borrower provides collateral as a mortgage loan, the collateral that cannot be repaid after repeated calls will be auctioned to repay the loan.

I hope the above content can help you. If in doubt, please consult a professional lawyer.

Legal basis:

Article 110 of the Civil Procedure Law

Participants in litigation and others shall abide by the rules of the court. The people's court may admonish, order to leave, fine or detain those who violate the rules of the court. The people's court shall investigate criminal responsibility for disturbing the court, assaulting the court, insulting, slandering, threatening or beating the judge, and seriously disturbing the court order; If the circumstances are minor, they shall also be fined and detained.