Legal analysis: 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 relevant state regulations. Overdue shall be calculated according to the overdue expenses in the contract.

legal basis: article 673 of the civil code of the people's Republic of China

if 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 the interest within the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and it cannot be determined according to the provisions of Article 51 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan period is more than one year, it shall be paid at the end of each year, and if the remaining period 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.