Legal Subjectivity:

Overdue interest and liquidated damages must be paid for overdue loans, and overdue loans will not affect personal credit, and a record of dishonesty in the bank will affect subsequent loans. , if you are proven to be able to repay but refuse to execute, the court will also be included in the list of dishonest persons subject to execution, and high consumption will be restricted. The law is objective:

Article 39 of the "Interim Measures for the Administration of Personal Loans", personal loans can be extended with the consent of the lender. For personal loans within one year (inclusive), the cumulative extension period shall not exceed the original loan period; for personal loans over one year, the cumulative extension period plus the original loan period shall not exceed the maximum loan period specified for the loan type.