After the loan expires, within a period of time, the bank will notify the borrower to repay the loan through the pad. If the borrower has not repaid, the bank will send a special person to negotiate and resolve it.
Suspected of loan fraud if there is fraudulent activity during the loan period. Article 193 of the Criminal Law stipulates that Article 193 has one of the following circumstances: for the purpose of illegal possession, to defraud a bank or other financial institution for a loan, if the amount is large, it shall be for a period of five years or less. Imprisonment or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, it shall be sentenced to imprisonment of not less than five years and not more than ten years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; Those who are particularly large or have other particularly serious circumstances shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall be fined 50,000 yuan to 500,000 yuan or confiscated property:
(1) fabricating false reasons for the introduction of funds and projects;
(2) using a false economic contract;
(3) using false supporting documents;
(4) using a false title certificate as a guarantee or a duplicate guarantee over the value of the collateral;
(5) Fraudulent loans by other means. bankThe loan is not yet available
The consequences will vary according to the lender's situation. If the borrower is unable to repay the loan for some reason, the extension can be negotiated. However, if it is not returned, there will still be fraudulent acts, which will be subject to legal sanctions.