贷款逾期还有什么后果？

中文

贷款逾期是指借款人未按照约定的还款日期偿还贷款本金和利息的行为。一旦贷款逾期，借款人将面临一系列的后果。

首先，逾期贷款会产生罚息。借款人需要按照逾期天数和逾期金额支付额外的利息，这通常比普通贷款利率更高。罚息的累积将增加借款人的还款负担。

其次，逾期记录会被记入个人信用报告。银行和其他金融机构在审批贷款时会参考个人信用报告，逾期记录会对借款人的信用评级产生负面影响，可能导致未来贷款申请的困难。

此外，贷款逾期还可能导致借款人面临法律诉讼。银行或其他贷款机构可能会通过法律途径追讨逾期贷款，这可能导致借款人的财产被查封、冻结或拍卖，甚至面临刑事责任。

最后，贷款逾期还会影响借款人的社会关系。逾期行为可能导致借款人被亲朋好友疏远，甚至影响职业发展和商业合作。

英文

Loan delinquency refers to the borrower's failure to repay the principal and interest of the loan on the agreed repayment date. Once a loan becomes delinquent, the borrower will face a series of consequences.

Firstly, delinquent loans will incur penalty interest. The borrower needs to pay additional interest based on the number of delinquent days and the delinquent amount, which is usually higher than the ordinary loan interest rate. The accumulation of penalty interest will increase the borrower's repayment burden.

Secondly, delinquency records will be recorded in the borrower's personal credit report. Banks and other financial institutions refer to personal credit reports when approving loans, and delinquency records will have a negative impact on the borrower's credit rating, which may make it difficult to apply for future loans.

In addition, loan delinquency may also result in legal litigation for the borrower. Banks or other lending institutions may pursue delinquent loans through legal channels, which may lead to the borrower's property being sealed, frozen, or auctioned, and even face criminal liability.

Finally, loan delinquency can also affect the borrower's social relationships. Delinquent behavior may cause the borrower to be alienated by friends and family, and even affect career development and business cooperation.