If you really have no repayment ability, you can take the initiative to contact the customer service of the online lending platform to explain the real situation, negotiate with the lending institution, extend the repayment period or return it in installments.

If the lending institution fails to perform the judgment of the court within the performance period after suing the court and winning the case, it will apply to the court for enforcement; When the court accepts enforcement, it will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law.

The "general principles of loans" have corresponding provisions:

Article 71 Under any of the following circumstances, the lender will charge interest on part or all of the loan: if the circumstances are particularly serious, the lender shall stop paying the unused loan of the borrower and recover part or all of the loan in advance.

1. Failing to use the loan for the purpose specified in the loan contract.

Second, the use of loans for equity investment.

Third, engage in speculative business with loans in securities and futures.