Legal analysis: the debtor should take the initiative to negotiate with the bank for installment payment; Otherwise, the bank may sue the debtor, and the debtor should be prepared to respond. The debt should be paid off. If it is temporarily unable to repay, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay and refuse to repay shall be forced to repay by the people's court.

Legal basis: Article 670 of the Civil Law of People's Republic of China (PRC) stipulates that the loan interest shall not be deducted from the principal in advance. If the interest is deducted from the principal in advance, the loan will be repaid according to the actual loan amount and the interest will be calculated.