After obtaining the loan, due to some special reasons, the borrower is unable to repay the loan according to the agreed repayment date. Loans and interest cannot be repaid in the short term. For management or processing needs, the bank will suspend periodic interest accrual accounting services. After interest is stopped, interest will no longer be calculated on the loan balance. However, it should be noted that the principal balance of the loan and the outstanding interest previously incurred are still recorded in the name of the original borrower, and the borrower still needs to repay it.