If the borrower can't repay the bank loan, there are many ways to solve it. For example, a borrower can borrow money from family or friends to repay it. If this method can't be solved, the borrower can also discuss with the bank to see if the repayment can be postponed. However, in the case of arrears, the borrower cannot ignore it. Otherwise there will be serious consequences.

In fact, it is often caused by changes in borrowers or overestimation of their repayment ability. Of course, I didn't expect the borrower to change. In this case, if you still can't pay the loan with the help of friends or family. You can go to the bank to find a solution. At this time, as a lender, the bank will give some advice to the borrower.

If we overestimate our repayment ability, we can also adopt the above method in this case. Therefore, in any case, the borrower must consider all aspects of the impact before lending to the bank. In order to avoid the situation that the loan cannot be paid off.

Consequences of non-repayment of bank loans: 1, resulting in high interest. No matter what the loan is, if the borrower is overdue. Then there will be related overdue interest. If it takes a long time, this interest rate is still terrible.

2. Upload the central bank's credit information. Bank loans overdue. Under normal circumstances, banks will upload personal overdue records to the central bank's credit information system. This will have a great impact on the future loan approval and credit card application.

3. Repeated collection. When the loan starts to be overdue, the bank will call or send a text message to collect it. But after a long time, banks may come to collect money and even be sued by banks.

What should I do if the loan is not paid?

1. Discuss with lending institutions. When the borrower finds that his loan is still overdue or difficult to repay, he should first discuss with the lending institution to see if he can extend the repayment date and reduce the repayment pressure.

2. Borrow money for repayment temporarily. Loans from financial institutions, if users do not repay, will easily lead to the stain of credit information, and will also produce higher penalty interest. Therefore, when users find it difficult to repay, they can temporarily borrow money to repay. However, this is not a long-term solution. Because both friends and family can only help you temporarily.

3. Try to make money. Failure to pay the arrears has a lot to do with your income. Therefore, users can find two jobs. Increase your own channels to make money. This can also help us solve the repayment problem.

Note: 1. When users owe money, don't always pay it back. This will have a greater impact on personal credit, and if it is serious, it may be punished by banks.

2. Don't have the bad habit of supporting loans with loans. Many borrowers will encounter the situation that they can't pay back after borrowing money. Therefore, it will adopt the method of raising loans by loans. Obviously, this way will make the "hole" bigger and bigger. Therefore, users should not have the bad habit of raising loans with loans.

What should I do if the loan is not paid?

For most friends who buy a house with a loan, they are worried about repaying their mortgage every month. I'm worried. What should I do if I don't repay my mortgage in time one day, or I have no money to repay my mortgage? What are the consequences? I sorted out the relevant consequences of mortgage default for everyone, hoping to help everyone! What will happen if the loan is not repaid to the bank? First, take the initiative to negotiate with the bank. We all ... want to know more about what to do if the loan is not repaid. Let's take a look with China Travel. Bian Xiao. For most friends who buy a house with a loan, China Travel. I worry about paying my mortgage every month. I'm worried. What should I do if I don't repay my mortgage in time one day, or I have no money to repay my mortgage? What are the consequences? I sorted out the relevant consequences of mortgage default for everyone, hoping to help everyone! What will happen if the loan is not repaid to the bank? First, take the initiative to negotiate with the bank. As we all know, escape is not the solution to the problem. Many loan applicants are at a loss when the loan is not repaid. In fact, in this case, you should immediately communicate with the lending institution to solve it. Whether it is to extend the loan term or reduce the repayment amount of each installment, it is a good solution. Second, apply for a temporary loan from the company. At present, loan applicants will apply for loans from banks first, and the company has a small customer base and low quality. In order to expand their business, many companies have launched temporary loan products. For most temporary loan products, the loan period will not be too long, and it will definitely not exceed one year. For the purpose of temporary loan repayment, the application will generally not exceed three months. But it can also solve the urgent need for enterprises that urgently need to repay bank loans. What's the impact on house slaves? Consequence 1: There will be a penalty interest. If it is the first time overdue, the bank will inform you to repay the loan on time. If you don't repay the loan for three times in a row, the bank will start to urge you to repay the loan on time, or even make a door-to-door reminder. At the same time, a penalty interest of 30%-50% will be added to the loan interest rate stipulated in your IOU contract until the principal and interest are paid off. Consequence 2: Affect normal life consumption Once the mortgage is cut off by the bank, the borrower is likely to be blacklisted, which will seriously affect your future life and travel, and even affect your child's enrollment. Consequence 3: Bad personal record. Overdue mortgage repayment will leave a bad record on your credit report and will be kept for five years. In these five years, it is basically impossible for borrowers to apply for loans from banks. Consequence 4: The house will be auctioned by the bank at a low price. If you really have no money to repay the loan, the bank has the right to auction your house, and the auction price is much lower than the original purchase price. If someone buys your house, the bank will deduct the principal and interest of the mortgage, after deducting the prepaid lawyer's fees, legal fees, security fees, execution fees, etc. Only very little money will eventually reach you. Consequence 5: The assets are insolvent, and the bank has the right to recover the debt from you. If the house cannot repay the principal and interest of the bank loan after the auction, the bank has the right to recover the debt from you, and you can't buy any real estate until the principal and interest owed to the bank are paid off. Method 1: If you just have no money to repay the loan temporarily, you can consider borrowing money from friends and relatives to repay the loan. Method 2: If there is no financial source to repay the loan for a period of time due to job changes, you can actively cooperate with the bank to make a dunning, and explain your situation to the bank, and apply for deferred repayment to reduce the monthly repayment amount. Method 3: Apply to the bank to suspend the repayment of principal and only pay interest, which is acceptable to ordinary banks. Method 4: If there is really no money to repay the mortgage, the house can be transferred and sold with the consent of the bank, and the proceeds will be returned to the loan, and the new buyers will fulfill their repayment obligations.

I really can't afford to repay the loan. Let's stop here.