According to the law, you can bring a lawsuit, but you must prove that the other party has clearly stated that it will not pay back the money when it expires, or that the other party is unable to return it when it expires. If it cannot be proved, the court will dismiss the lawsuit. Strictly speaking, prepayment is also a breach of contract, unless prepayment does not harm the interests of creditors or is recognized by creditors. (2) Article 530 of the Civil Code: The creditor may refuse the debtor to perform the debt in advance, unless the advance performance does not harm the interests of the creditor. The expenses incurred by the creditor due to the debtor's early performance of the debt shall be borne by the debtor. (3) The debtor has the right not to repay the debt before the expiration of the debt performance period, and there is no legal basis for the creditor to require the debtor to repay the debt in advance, except that the debtor explicitly indicates that he will not repay the debt before the expiration of the debt performance period. Generally speaking, creditors can't ask for an agreement with an agreed date of performance in advance. However, if the debtor has expected to breach the contract, the creditor may bring a lawsuit to the court to claim the creditor's rights in advance. This kind of anticipatory breach of contract includes the following two situations: (1) one party explicitly indicates that it will not perform its contractual obligations; (2) If one party shows that it will not perform its contractual obligations by its own actions, (1) it may demand to repay the unexpired loan in advance, but certain conditions must be met, such as 1. The creditor has evidence to prove that the debtor cannot repay the loan within the agreed repayment period; 2. The debtor evades repayment obligations by withdrawing funds or transferring property; 3. The debtor is declared bankrupt. According to Article 677 of the Civil Code of People's Republic of China (PRC) implemented by 202 1, if the borrower repays the loan in advance, the interest shall be calculated according to the actual loan period unless otherwise agreed by the parties. Article 538 stipulates that if the debtor disposes of the property rights and interests free of charge by giving up the creditor's rights, giving up the guarantee of the creditor's rights, transferring the property free of charge or maliciously extending the performance period of the due creditor's rights, which affects the realization of the creditor's rights, the creditor may request the people's court to cancel the debtor's behavior. If there is a guarantor in the loan contract, only when the debtor fails to pay it back within the time limit will the guarantor bear the guarantee responsibility. Therefore, the loan contract has not expired, and the guarantor does not assume the guarantee responsibility. Article 386 of the Civil Code of People's Republic of China (PRC) defines the security interest. In the case that the debtor fails to perform the due debt or the parties agree to realize the security interest, the security interest holder shall enjoy the right of priority compensation for the secured property according to law, except as otherwise provided by law. Article 681 A suretyship contract is a contract in which the surety and the creditor agree that the surety will perform the debt or assume the liability when the debtor fails to perform the due debt or the circumstances agreed by the parties occur.

Legal objectivity:

Article 188 of the Civil Law stipulates that the limitation of action for requesting protection of civil rights from the people's court is three years. Where there are other provisions in the law, those provisions shall prevail. The limitation period of action shall be counted from the date when the creditor knows or should know that the right is damaged and the debtor knows it. Where there are other provisions in the law, those provisions shall prevail. However, the people's court shall not protect the rights that have been damaged for more than 20 years. Under special circumstances, the people's court may decide to extend the time according to the application of the obligee.