If you owe a bank loan and cannot repay it, the banking institution will take a series of measures, as follows:

1. The bank will call the borrower to collect the debt.

2. If the borrower still fails to repay the loan after debt collection, a certain amount of penalty interest will be incurred and a bad credit record will be created for himself.

3. If the borrower still fails to repay the loan, the bank will send relevant staff to collect the debt in person.

4. If the borrower still does not repay the loan until the end, the bank will take legal measures to protect the bank's own rights and interests through the law. If the borrower applies for a mortgage loan, the collateral will be The court conducts an auction and then uses the proceeds from the auction to repay the loan.