I borrowed 300,000 yuan in Bank of Ningbo, and I haven't paid it yet.

Banks usually take the following four measures when borrowers are overdue: failure to repay in time 1 month-penalty interest; /kloc-bank SMS warning within 0/-3 months; For more than 3 months, the bank took the form of telephone reminder to collect money at home; Half a year later, the bank complained to the court that the court summoned the borrower to go home and auctioned the collateral for debt repayment. After the user's loan expires, the bank will notify the borrower to repay it quickly by dunning. If the borrower still fails to repay the loan, the bank will send someone to negotiate and solve it. But if your loan in the bank is fraudulent, you may go to jail.

People's Republic of China (PRC) Civil Code

Article 673 Where the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.

Article 674 The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.