Legal analysis: If the loan is overdue, it will be deemed overdue by the bank, so you need to bear the following consequences: 1. Generally speaking, the bank will send you a notice to repay the principal and interest before the short-term loan expires 1 week and before the medium-and long-term loan expires 1 month. If the repayment cannot be made on time due to objective reasons, you should negotiate with the bank, and then apply to the bank for an extension a few days in advance, fill in the extension amount and date, and submit it to the bank for review. In addition, you will also bear overdue interest and late fees for this. If you don't take the initiative to repay the loan when it expires, the bank will take the initiative to deduct the loan principal and interest from your deposit account. If you find that your deposit balance is low, you don't have to be too suspicious. It is usually a SMS reminder. Therefore, when you deduct money, you will know it as soon as possible. If you are still unable to repay the loan at this time, the bank will now file a court lawsuit against you personally.

Legal basis: Article 163 of the Civil Code has both legal inheritance and testamentary inheritance and bequest, and the legal heir shall pay off the taxes and debts that the decedent should pay according to law; The part exceeding the actual value of the statutory estate shall be paid off by the testator and legatee in proportion to the income.