In the case that the bank loan is not repaid at maturity, it is generally necessary to negotiate with the bank to repay by installments, and of course it can also be repaid by installments. It needs to be repaid in installments as soon as possible according to the wishes of the bank. Regarding the question of whether bank loans are not repaid in installments, the following is a detailed answer from Bianxiao. com. 1. Can I apply for installment repayment when the bank loan is not due? If I owe the bank a loan, I can negotiate with the bank, and if the bank agrees, I can repay it in installments. According to the law, I need to pay a certain amount of overdue interest according to the agreement or the law, and I need to bear the corresponding liability for breach of contract. II. Consequences of outstanding loans 1, and default interest will be incurred immediately after overdue. Although the policies of each lending institution are different, on the whole, banks will be more accommodating than small loan companies. Credit loans overdue, the lender will first collect the loan, remind the borrower to repay, and the interest rate will rise as a daily penalty. The penalty interest of each bank is calculated in different ways, but the penalty interest is generally not lower than the original loan interest level. 2. There is a stain on the credit record, which will affect future loan and credit card applications. After the application is overdue, the credit report will inevitably leave a bad record. Once you stay, you may be locked up for 3 -7 years. If you want to borrow from other banks in the future, you may not be able to apply easily because of bad credit. If the overdue situation is serious, the mortgage and car loan will be affected in the future. Penalty interest is only the loss of money, while bad credit records are the loss of intangible assets, and the impact is irreparable by money. 3. People who are blacklisted and often fail to get loans in family life and work will be blacklisted and labeled as "Lao Lai". Once marked as a faithless person, the life and work of that person and his family will be greatly affected. For example, you can't continue to enjoy financial services, travel is restricted, children's education is affected, and the unit refuses to hire or dismiss. 4. Go to court and be punished by law. If you don't pay the bill for more than three months, it will be very serious. Banks will collect loans according to law and bring a lawsuit to the court according to the loan contract and guarantee contract (mortgage or pledge contract). The court will take measures such as property preservation, including freezing deposits in all bank accounts of lenders and loan guarantors and sealing up pledged property. After the judgment is made, the property will be enforced according to law (deducting deposits, auctioning collateral, etc.). ) to repay the bank's loan losses. Three. The repayment method of bank loan 1 Matching principal and interest repayment method: Matching principal and interest repayment method refers to the sum of monthly matching repayment of loan principal and interest. At present, most banks have adopted this method for housing provident fund loans and commercial personal housing loans. The repayment method of this loan is the repayment amount in the same month; 2. average capital repayment method: the repayment method in average capital, that is, the borrower repays the loan on average in each installment (month) during the whole repayment period, and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month; 3. Pay interest on a monthly basis, and repay the principal at maturity: due to the restrictions of banks, this monthly interest-bearing repayment method is often adopted by lenders with enterprises. The borrower shall repay the loan principal in one lump sum on the maturity date of the loan [the loan with a term of less than one year (including one year)], and the loan shall bear interest on a daily basis and the interest shall be repaid on a monthly basis; 4. Repay part of the loan in advance: Repay part of the loan in advance, which means that the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is 1 000 or an integer multiple of 1 000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period. 5. Repaying all the loans in advance: Repaying all the loans in advance means that the borrower can repay all the loan amount in advance by applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures. The above is the related content compiled by Bian Xiao. After the bank's loan expires, you can't apply for installment repayment, but whether you agree or not depends on the bank's own decision, so it doesn't mean that applying for installment repayment will be successful. If the bank does not agree, it is recommended to repay all the expenses in one lump sum after consultation with relatives and friends. If you have other needs, please do one-on-one legal consultation online.

Legal objectivity:

Article 676 of the Civil Code of People's Republic of China (PRC) 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. Article 678 of the Civil Code of People's Republic of China (PRC) * * * The borrower may apply to the lender for extension before the repayment period expires; If the lender agrees, it can be extended. Article 667 of the Civil Law of People's Republic of China (PRC) is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.