Legal analysis: general loans do not belong to civil liability, as long as they are not financial fraud, the police station will not intervene. If the borrower fails to repay the bank loan on time, the banking institution will take the following measures: 1. The bank will call the borrower to collect debts. 2. If the borrower still fails to repay the debt 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 it in person. 4. If the borrower fails to repay the loan until the end, the bank will take legal measures to protect its rights and interests through law. If the borrower applies for a mortgage loan, the collateral will be auctioned by the court, and then the proceeds from the auction will be used to repay the loan.
Legal basis: Article 667 of the Civil Law of People's Republic of China (PRC) is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.
Article 394 of the Civil Code of People's Republic of China (PRC) provides a guarantee for debt performance. If the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, the debtor fails to perform the due debt or the creditor has the right to receive priority compensation for the property. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.