What can I do with a bank loan?

Paying off debts is a matter of course. But sometimes it is inevitable to have no money. So when we owe money to our bank dad for a long time, we are always in a state of anxiety. There are always many questions in my heart, such as: will I go to jail if I don't pay the money?

Caijingjun is very responsible to tell you:

Not necessarily. Then, let's see what measures the bank father will take in the face of our "default loan" to prevent us from offending the bank and being blacklisted.

Bank overdue processing refers to:

1 month overdue repayment-penalty interest

1-bank SMS early warning within 3 months

For more than three months, the bank took the form of calling to remind the door to collect.

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.

Will you go to jail for defaulting on bank loans? Under normal circumstances, you will not go to jail until the bank loan is paid off. After the loan expires, the bank will notify the borrower to repay the loan by dunning for a period of time. If the borrower still fails to repay the loan, the bank will send a special person to negotiate and solve it. But if you cheat during the loan period, that's not necessarily true.

For example:

Lao Wang next door wanted to borrow 6,543,800 yuan from the bank to invest in a project, but he didn't have a job and collateral, so he made up the loan materials. Later, his business loan was completely lost, and even the bank's money was gone. After verification by the bank, the loan materials submitted by Lao Wang were all fictitious, so Lao Wang was sued to the court. The court ruled that Lao Wang was guilty of defrauding loans and sentenced him to seven years in prison.

Here are two knowledge points:

1, unable to repay the bank loan, just a civil dispute, not going to jail.

If the bank brings a lawsuit to the court and the debtor fails to perform the court judgment after the court judgment, the bank may apply to the court for compulsory execution.

However, if the debtor has the ability to perform the judgment and refuses to execute it, the serious circumstances will constitute the crime of refusing to execute the judgment. If it is really difficult to perform, the court will also extend the performance time.

According to the law: Article 313 of the Criminal Law, the crime of refusing to execute a judgment or ruling. If the circumstances are serious, the offender shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine.

Providing false information and supporting documents during the loan period may be suspected of loan fraud, and you will go to jail.

The crime of defrauding loans refers to the act of obtaining loans from banks or other financial institutions by deception, which causes heavy losses to banks or other financial institutions or has other serious circumstances.

The statutory punishment for this crime is: fixed-term imprisonment of not more than three years or criminal detention, and a fine or a single fine; Whoever causes particularly heavy losses to banks or other financial institutions or has other particularly serious circumstances shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.