Legal subjectivity:

If you really do not have the ability to repay, you should negotiate with the bank or lending institution to extend the repayment period or repay in installments. Loan money will not have any consequences: 1. If the lending institution or bank sues to the court and wins the case, but fails to fulfill the court judgment during the performance period, it will apply to the court for enforcement. 2. When accepting compulsory execution, the court will inquire about the properties, vehicles, securities and deposits in the name of the lender in accordance with the law. 3. If the lender has no property available for execution and refuses to fulfill the effective judgment of the court, negative information such as overdue repayment will be recorded in the personal credit report and the lender will be restricted from high consumption and entry and exit, and may even be subject to judicial action. detention. 4. If you have the ability but refuse to execute, you are suspected of refusing to execute the judgment or ruling. Legal objectivity:

Article 256 of the "Civil Procedure Law" If any of the following circumstances occurs, the people's court shall rule to suspend execution: (1) The applicant indicates that execution can be postponed; (2) A person outside the case raises a well-founded objection to the subject matter of execution; (3) The citizen who is one of the parties dies and needs to wait for the heir to inherit the rights or assume the obligations; (4) The legal person or other organization that is one of the parties terminates and the rights and obligations have not yet been determined the successor; (5) other circumstances where the People’s Court deems execution should be suspended.