Of course. According to the relevant regulations of our country, if the borrower can't repay the loan on schedule for some reason, he can put forward an extension of repayment to the bank in advance, and the bank will agree.

According to the regulations, if the borrower needs to postpone the repayment, he must apply 15 days before the repayment date. After the lender agrees, it will go through the formalities of deferred repayment, and the lender will charge interest according to the loan interest rate agreed in the contract.

When the borrower applies for deferred repayment, he shall first apply to the bank, fill in the application form, and then apply for deferred repayment after the approval of the bank. What needs to be pointed out here is that those who apply for deferred repayment need to pay interest.

Extended data:

Matters needing attention

Deferred repayment is not unlimited. Usually the bank will stipulate a certain number of deferred payments, so you can't apply for it as soon as something happens. Because the current repayment method is generally monthly repayment, the extension period will generally not exceed one month.

When handling the extension, we need to pay attention to the guarantee. The guarantee period is usually the same as the loan period, that is, the guarantee period is as long as the loan period.

For example, using an old house as a mortgage will automatically extend the mortgage period. The same is true of pledge. As for the guarantee, because someone else gives you a guarantee, the bank will generally seek the consent of the guarantor, and after the consent, the loan can be postponed, which actually increases the burden on the guarantor; If you don't agree, you can't force the guarantor to bear more responsibilities.

If the goods are not ready, you can apply for an extension of the loan period. If the borrower has difficulty in repayment, he can apply to the bank for an extension of the loan period. The application will be accepted after verification by the bank. However, only customers with good repayment records and no default in principal and interest can pass.

Matters needing attention in handling mortgage extension

The longest loan period is not more than 30 years: during the performance of the original mortgage contract, if the borrower fails to repay the loan on time according to the original repayment plan, he may submit a written application to the loan bank to extend the loan period. After the loan bank approves it, he will sign an individual housing loan deferred repayment agreement and go through relevant procedures, and the guarantor will sign an deferred repayment agreement. The borrower can only apply for a loan extension once, and the sum of the original loan term and the extension term shall not exceed 30 years at the longest. When the original loan term and extension term reach the new interest rate term grade, the loan interest will be collected at the new term grade interest rate from the extension date. No longer adjust accrued interest.

If the borrower needs to postpone the repayment of the house payment in advance, it must submit a written application for postponement five days before the payment due date, which will be examined and approved by the handling bank according to the procedures, and the written consent of the guarantor, mortgagor and pledger will be obtained (unless otherwise agreed in the contract, the contract shall prevail. Please consult the relevant bank for details.

2. Can Yunnan Rural Credit Cooperative Sanhui Loan apply for extension?

Of course. Generally speaking, you can apply for a loan extension once a year after applying for a loan. Loan extension of rural credit cooperatives means that when the loan expires, the lender requires an extension of repayment. At the same time, the loan extension of rural credit cooperatives can be divided into the following three types:

1, the short-term loan is extended, and the cumulative term shall not exceed the original loan term;

2, medium-term loan extension, the cumulative period shall not exceed half of the original loan period;

3. The cumulative extension of long-term loans shall not exceed 3 years.

3. Can the bank loan be extended if it is not due?

Legal analysis: If the bank loan is not paid, you can apply for an extension. Because if there is a reason, and you are temporarily unable to repay, as long as you take the initiative to contact the bank, explain the specific reasons, and then show a positive willingness to repay, and then apply for an extension, the bank will consider it. As long as the bank agrees to postpone, it can negotiate a new repayment plan and repay on time according to the new repayment plan.

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

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.

4. If the loan is temporarily unable to repay when it expires, can I apply to the bank for extension?

If the loan is temporarily unable to repay due, you can apply to the bank for extension.

(1) If you are able to pay the interest on normal loans, it is recommended to apply to the loan bank for loan extension first;

(2) Explain the willingness to repay and the fact that the loan has not yet been put in place.

(3) repay the loan interest on time and temporarily;

(4) Under normal circumstances, the bank will give a grace period;

⑤ During the grace period, renegotiate the repayment amount according to