Malicious breach of contract means not paying back the money or not having the will to pay it back. This situation is more serious, banks will be investigated for criminal responsibility and may be sentenced to jail after prosecution.
Non-subjective breach of contract, such as paying back the money every month, is only temporarily unable to turn around or lose money in business, but still keeps paying back the money. If the bank sues, it will only be civil liability at most, and you will be sentenced to the fastest repayment or compulsory repayment, and you will not be sentenced to jail.
If it is really difficult to repay, you can call the bank, communicate with the bank, explain the situation and negotiate repayment, or divide the accounts by stages, or the minimum repayment amount. You can also pay some handling fees and ask someone to help you pay it back. Learn to use the flexibility of credit cards to solve immediate difficulties. You can also use the popular smart repayment application, which only needs a small amount of working capital to pay off the bill of the current month and repay it repeatedly every month. This requires you to spend more than 200 yuan a month and a small amount of working capital. Don't be afraid of owing money, as long as you find a suitable way to solve it, don't worry at all. I hope I can help you. You can ask questions at any time if you don't understand.