Legal analysis: it is not necessarily useful to consult a lawyer. You can find a lawyer, and the bank has its own legal team. If there is room for agreement, the bank has already signed it with you. Maybe your conditions have not been met, or there are other reasons, so you should repay as soon as possible.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 919 An entrustment contract is a contract in which the principal and the agent agree that the agent shall handle the principal's affairs.

Article 922 The agent shall handle the entrusted affairs in accordance with the instructions of the principal. If it is necessary to change the client's instructions, it shall be approved by the client; If it is difficult to get in touch with the client due to an emergency, the agent shall properly handle the entrusted affairs, but shall report the situation to the client in time afterwards.