You are expected to repay the loan principal plus interest. It is recommended that you negotiate repayment with your bank first.

① Bank loans are civil disputes. According to relevant regulations, if the loan is not repaid, you should negotiate with the lending institution to repay the debt instead of going to jail directly. In other words, one cannot be held criminally responsible and go to jail.

② If the lender refuses to cooperate because it does not have the financial resources required for execution, it may be subject to judicial detention. If the debtor fails to fulfill the court judgment during the performance period, the creditor can apply to the court for enforcement.

③According to Article 676 of the "People's Republic of China and Civil Code", the borrower's liability for late repayment of the loan. The relevant national regulations require the payment of overdue interest.

An acquaintance of mine has encountered a similar situation and I hope I can give you some help. At that time, the bank asked her to repay the loan many times, but she failed to do so. More than 3,000 yuan was overdue for more than a year, so she asked a lawyer to negotiate with the bank, and finally borrowed money from a friend to repay the money. You can communicate with the other party first, negotiate for installment repayment or delayed repayment, and remain sincere in communication. But the amount you owe is relatively large, more than 90,000 yuan. You can consider selling valuables, reducing luxury consumption, increasing labor income, etc. to pay off this debt as soon as possible.

In addition,

① Under normal circumstances, if the overdue person applies for a bank loan, he or she can file a lawsuit as long as the overdue period exceeds 90 days, and the debt owed to the bank loan is a dispute over the loan contract. , the bank has the right to file a lawsuit in court. When the amount of debt owed is small, the bank will only require the overdue person to repay or freeze his or her property. If the overdue person applies for a small loan, most private small loans are illegal. Overdue online loans are civil disputes and will not lead to jail time.

② Generally speaking, check online loans owned by credit bureaus, large companies, and formal companies. These formal online loans will file lawsuits. At present, overdue small-amount online loans are considered civil disputes and will not lead to jail time. Moreover, prosecution costs money. The longer the delay, the higher the cost of prosecution.