Legal analysis: Bank loans overdue will not go to jail for half a year, and the bank loan is a civil dispute, so he will not be investigated for criminal responsibility. According to the relevant regulations of the state, if the loan money is not repaid, you should negotiate with the lending institution to repay the debt instead of going to jail directly. If the lender refuses to cooperate because there is no financial resources available for execution, it may be judicial detention.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.

Article 577 Where a party fails to perform its contractual obligations or fails to perform its contractual obligations in conformity with the contract, it shall be liable for breach of contract such as continuing to perform, taking remedial measures or compensating for losses.