When the arrears are overdue, the loan will be recovered;

If the delay exceeds 90 days, bring a lawsuit to the court:

① According to the loan contract and guarantee contract (mortgage or pledge contract), the lender will bring a lawsuit to the court, and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of the lender and the loan guarantor and sealing up the pledged property.

(2) After the judgment is made, the property will be enforced (deducting deposits, auctioning collateral, etc.). Pay off the bank's loan losses according to law.

③ Specifically, it includes: loan principal, loan interest, overdue interest, penalty interest, all litigation costs arising therefrom, and related expenses incurred when the collateral is realized.

Credit will be affected. If the borrower is a company, your company will be recorded in the national bank credit information system, and loans made in the name of individuals will also be recorded as overdue loans in the national personal credit information system.

If the bank brings a lawsuit to the court and the debtor still fails to perform the court judgment after the court judgment, the bank may apply to the court for compulsory execution. If the debtor has the ability to perform the judgment and refuses to execute it, the serious circumstances will constitute the crime of refusing to execute the judgment. If it is really difficult to perform, the court will extend the performance time.

The law stipulates that Article 313 of the Criminal Law refuses to execute the judgment or written order of the people's court. If the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine.