Generally speaking, if bank loans are not repaid on time, banking institutions will take a series of measures, as follows:
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.
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.