Legal analysis: 1. Don't worry too much. You will usually be warned more than three times. If the arrears exceed half a year, the court will accept the lawsuit against the bank if the parties cannot be found or ignored. 2. negotiate with the bank, make a repayment guarantee agreement, and declare that all the arrears will be paid back in a few days. 3. Even if it is not paid, it will only continue to be warned and collected by the bank. Of course, the job of bank toll collectors must be threatened. This is a work task, the sooner the better, but he can't force it. He must have entered the personal credit report of the central bank. Because the minimum repayment amount is overdue for 3 months, you can't use bank loans to buy a house or do business in the future, unless you have a good credit record to improve in the next few years, and the bad credit record is generally maintained for 7 years.

Legal basis: Article 108 of the Civil Code of People's Republic of China (PRC) stipulates that debts should be paid off. If it is temporarily unable to repay, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay and refuse to repay shall be forced to repay by the people's court. According to the execution basis, the house delivered by the person subjected to execution shall be given a grace period of three months from the date of delivery of the execution notice. If the person subjected to execution raises an objection on the grounds that the house is a necessity for himself and his dependents, the people's court will not support it.