Consequences of not repaying the loan: 1. Personal credit stain: bank loans, if not returned, will be recorded in the credit information. Bad credit records have become the resistance of future loans such as mortgage, car loan and credit card processing. 2, will be collected: your family (emergency contacts) and friends will be included in the collection. It may cause life pressure to yourself and your family, and affect the normal life of individuals and families. 3. Being sued after repeated collection: If the borrower owes a large amount of money and fails to repay it after repeated collection, it may be sued by financial institutions. After the court decides to repay the loan, if you still want to breach the contract, you will be included in the "blacklist of untrustworthy people" and will be restricted from flying, high-speed rail and high consumption in the future. "