You can apply for deferred repayment and installment payment, or find relatives and friends to raise funds for repayment, or take other assets as collateral.

1. Regular banks will entrust third-party institutions to make dunning, and if there is really no money, they will apply for execution.

2. Non-repayment will basically affect personal credit, just like the previous personal files.

Extended data:

The repayment methods are:

1. Equal principal and interest repayment method: that is, the sum of loan principal and interest is repaid monthly. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same.

2. average capital repayment method: that is, the borrower evenly distributes the loan amount to each period (month) during the whole repayment period, and pays off the loan interest from the previous trading day to the repayment date, and the repayment amount decreases month by month.

3. Pay interest and repay the principal monthly: that is, the borrower repays the loan principal in one lump sum on the maturity date of the loan [the loan with a term of less than one year (including one year)], and the loan bears interest on a daily basis and the interest is repaid on a monthly basis.

4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is 1 000 or 1 000.

5. If you apply for prepayment, you can repay the whole loan amount in advance. After repayment, the lending bank will terminate the borrower's loan and handle it.

6. How much to borrow: The interest is calculated one day after the loan. You can pay the money in one lump sum at any time without any penalty.