Need to be repaid. Loans owed to credit cooperatives need to be repaid in 0 years, no matter how long they are owed. It is usually connected to the national network, such as credit behavior (such as buying a house with a loan, buying a car, handling a credit card, etc.). ), and once the bank collects debts, loans from credit cooperatives and other institutions will come to you sooner or later. Once overdue for more than 3 months, it will be included in the blacklist of untrustworthy people. Therefore, in the case of economic ability, it is also

Credit cooperatives negotiate the processing flow of loan non-repayers, extend the repayment time or repay by installments. If the judgment is not fulfilled within the performance period after the credit is granted, it will apply for compulsory execution. When accepting compulsory execution, the lender's property, vehicles and executed property will be inquired according to law, and the effective judgment of refusing to perform will lead to negative information such as overdue repayment, which will lead to high consumption, entry and exit, and may even be punished by judicial custody. Those who have the ability to refuse to execute the judgment are suspected of refusing to execute the judgment.

In addition, the money owed to the credit union will not become a black account, and the bank will classify the money as a loss. Moreover, from the overdue date, the calculation of penalty interest has already begun. This will be blacklisted by banks and become a "black account", which will affect your handling of loans, guarantees, credit cards and other businesses in the future.

Legal basis: Article 193 of China's Criminal Law has one of the following circumstances: for the purpose of illegal possession, a person who borrows a large amount from a bank or other financial institution shall be sentenced to fixed-term imprisonment of not more than five years and fined not less than 20,000 yuan but not more than 200,000 yuan; If the circumstances are serious, a fine of not less than five years but not more than ten years shall be imposed; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan, or confiscated property:

(1) fabricating reasons for introduction;

(two) the use of false economic contracts;

(3) using false documents;

(four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral;

(5) Loans in other ways.

Second, what will happen if you owe a loan to a credit cooperative for 10 years?

Third, what happens if rural credit cooperatives don't lend for more than ten years?

If there is a bad record on the credit report, the bank will make a dunning. The overdue credit card is a breach of contract, so it will tarnish personal trust, which is not conducive to the later bank lending business and produce overdue records in the credit report. Consequence of overdue: 1, and bear high penalty interest; 2. Initiate laws; 3. Leave a "credit stain" in the national credit information system. Suggestions are as follows: 1, which must be made up immediately, and a part of penalty interest should be paid. It is recommended to hand in more, so that the bad records can be cleared temporarily. If the payment is overdue for more than one month, the next repayment shall pay off the monthly payment for two months and the penalty interest for the previous month in one lump sum; 2. If there is no delay in the future, after one year, the computer will eliminate this bad record; 3. The repayment is postponed, but the repayment period will not be postponed, and only a bad record will be left forever; 4. Remember to pay off the previous monthly payment and penalty interest before the repayment period next month.

Iv./kloc-owed 50,000 yuan to the rural credit cooperatives 0/0 years ago, and it is still unable to repay it. What are the consequences?

1. Bad credit record.

2. If the bank passes the justice. Then all the property under the debtor's name should be used to repay the debt (such as mortgage of fixed assets or auction to repay the debt).

3. You can apply for a loan extension, negotiate with the credit union and re-establish the repayment plan!

You don't have to bear criminal responsibility, only the obligation to repay.