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First of all, you will feel uneasy. Even if the other person doesn't treat you well, you will be on tenterhooks all day. In the long run, it will be bad for your physical and mental health.

Secondly, 200,000 yuan is not a small sum for the average person, and the lending institution must try its best to come to you for help. At present, their most commonly used means is telephone collection. Generally, they will say hello to you many times a day, and your feelings may not be considered in words. In short, the purpose is to urge you to pay back the money.

There are also some serious consequences, such as credit reporting. No matter how much money you owe, the lending institution that goes to the credit information office will definitely report your bad record to the central bank for credit information, so it will be very difficult for you to apply for a loan card in the future. Moreover, the establishment of "100 banks' credit investigation" some time ago means that the problem of bad credit is becoming more and more serious, and it is particularly important for borrowers to maintain their own credit.