Bad debts refer to loans in banks and other financial institutions that have not been repaid for a long time. These loans have been included in the bank's non-performing loans. Generally speaking, interest on bad debts will begin to accrue after the debtor defaults on payment, and even if part of the debt is repaid later, interest on this part of the debt will continue to be calculated. Therefore, even if the debtor repays the debt, the interest on the bad debt will continue to rise. Moreover, due to the bad nature of bad debts, their interest rates are generally higher than normal loans. This is also an institutional arrangement set up by banking institutions to prevent the expansion of bad debts and control risks.

When the interest on bad debts continues to rise, the debtor's repayment pressure will also become greater and greater. Therefore, banking institutions usually take some measures to reduce the debtor's repayment burden, such as extending the repayment period, reducing or exempting part of the interest, etc. In addition, the debtor can also negotiate a repayment plan with the banking institution to repay the bad debt and interest in installments. However, it should be noted that these measures to reduce the repayment burden do not mean that banking institutions will completely give up interest on bad debts, but they only try to reduce the repayment pressure on debtors while ensuring the interests of banking institutions.

In short, interest on bad debts will begin to accumulate after the debtor defaults on payment. Even if part of the debt is repaid later, the interest on this part of the debt will continue to be calculated. In addition, the interest on bad debts is generally higher than that on normal loans, and banking institutions will also take some measures to reduce the debtor's repayment burden, but this does not mean that banking institutions will completely give up the interest on bad debts. Therefore, debtors should pay attention to their repayment ability when taking loans to avoid bad debts, and they should also negotiate with banking institutions to resolve repayment issues in a timely manner.