"What will happen if the money is not loaned?"

1. If the lending institution or bank fails to perform the court's judgment within the performance period after suing the court and winning the case, it will apply to the court for compulsory execution.

2. When accepting enforcement, the court will inquire about the real estate, vehicles, securities and deposits in the name of the lender according to law.

3. If the lender has no executable property under its name and refuses to perform the effective judgment of the court, negative information such as overdue repayment will be recorded in the personal credit report, which will restrict high consumption and entry and exit, and may even lead to judicial custody.

4. If you have the ability to refuse to execute, you are suspected of refusing to execute the judgment or ruling.

Second, banks will take a series of measures if they are in arrears with bank loans, as follows:

1. Banks will call borrowers for debt collection.

2. If the borrower still fails to repay the loan after debt collection, there will be a certain penalty interest and a bad credit record for himself.

3. If the borrower still fails to repay the loan, the bank will send relevant staff to collect the debt in person.

4. If the borrower still fails to repay the loan until the end, the bank will take legal measures to protect its own rights and interests through law. If the borrower handles the mortgage loan, the collateral will be auctioned by the court, and then the funds obtained from the auction will be used to repay the loan.

iii. overdue loans

according to the relevant provisions of the contract law, the borrower's failure to repay the loan within the agreed time limit in the loan contract is a breach of contract and should bear the liability for breach of contract. The ways to bear the liability for breach of contract include returning the loan principal, paying the interest during the loan period agreed in the contract and paying the interest on the overdue part of the loan.

generally, there is no dispute about returning the loan principal and paying the interest during the loan period agreed in the contract because the parties have clearly agreed in the loan contract; As for the interest on overdue loans, there are great disputes between the parties and the standards applied by judges in adjudicating such cases are not uniform, which affects the authority of the law. Lawyers believe that it is necessary to integrate this issue so that everyone's understanding can be unified.

the funds invested by banks in such loans may or may not be recovered in the future. There is a great possibility of suffering losses, and commercial banks usually have to add penalty interest for such loans. Overdue loans are problematic assets of banks, so commercial banks should maintain a high capital reserve, which is generally 5%. "