1. Penalty interest: Entrepreneurship fund interest-free loans will no longer enjoy interest discounts from the state finance when they expire. In addition to paying the original interest on the loan, a certain amount of penalty interest will also be charged for overdue repayment; 2. Credit report: Entrepreneurship fund interest-free loans are subject to a credit report. Once they are overdue, they will be reported to the personal credit report, which will also affect future loan products; 3. Prosecution: If the overdue time is too long, you will be sued to The court will enforce the repayment obligation by the court.