1. If it is really unable to repay, it shall negotiate with the lending institution to extend the repayment period or repay it by stages;

2. If the lending institution fails to perform the court's judgment within the performance period after winning the lawsuit in court, it will apply to the court for compulsory execution;

3. When accepting enforcement, the court will inquire about the real estate, vehicles, securities and deposits in the name of the lender according to law;

4. If the lender has no executable property under its name and refuses to perform the effective judgment of the court, negative information such as overdue repayment will be recorded in the personal credit report, and it will be restricted to high consumption and entry and exit, and may even be punished by judicial custody.

basically, it won't affect you, so you can repay it on time later.