There is no other way but to find a way to pay back the money. Now it is a credit society, and the stain of credit will have a great impact on your later life, such as mortgage and car loan, and even affect your children's schooling. So first you have to find a way to raise money. If you can't raise it, you can negotiate repayment with the bank to avoid your credit report being overdue.

2. Can the bank loan be extended when it expires?

If the bank loan continues to lend, then the last loan expires and the user can apply for renewal. However, if the bank loan does not support the continuous loan, and the last loan expires, the user cannot apply for renewal of the loan, but for the user, he can apply for a new loan again. Therefore, whether a bank loan can be renewed depends mainly on the bank's regulations. Different banks have different rules. If the user is allowed to renew the loan, he can submit a renewal application before the loan expires. After the loan renewal application is approved, the repayment period will be extended. Extended data:

Bank loan refers to an economic behavior that an individual or enterprise issues a loan to a bank at a certain interest rate according to the national policy of the bank and returns it within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply. Compared with other financing methods, bank loans mainly have the following shortcomings: harsh conditions, too many restrictive clauses, too complicated procedures, time-consuming and laborious; The loan period is relatively short, and long-term investment can rarely be loaned; The loan amount is relatively small. Bank loan requirements: 1. Natural persons (Hong Kong, Macao, Taiwan, mainland, foreign) who meet the basic application conditions of/kloc-0 and are aged between/kloc-0 and 8-60; 2. Have a stable job and income, and be able to repay the loan principal and interest on schedule; 3. The actual age of the borrower and the loan application period should not exceed 70 years; 2. Meet the credit application conditions of 1, and the credit line is 2. Revolving credit agreement: Revolving credit agreement is a loan agreement that banks promise to provide enterprises with no more than a certain upper limit according to law. 3. Compensatory balance: Compensatory balance refers to the minimum deposit balance that the bank requires the borrower to keep in the bank according to the loan limit or a certain proportion of the actual loan amount (generally 10% to 20%). How much can I borrow from a bank loan? The loan amount is different with different loan methods: 1. Venture loan: Venture loan refers to a special loan issued by an individual who has certain production and operation ability or has engaged in production and operation activities, applies for starting or restarting, and is recognized as an effective guarantee by the bank. Eligible borrowers can get a single loan of up to 500,000 yuan. 2. Mortgage loan: For those who need to start a business, they can flexibly use personal consumption loans for starting a business. The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan amount is 300,000 yuan. 3. In addition to the pledge of certificates of deposit, personal loans can also be easily obtained with certificates such as treasury bills and insurance company policies. 80% of the deposit amount can be used for loans; 90% loanable national debt of national debt denomination; The insurance company's policy amount does not exceed 80% of the cash value of the policy at that time. 4. Guaranteed loan: At present, banks have a soft spot for high-income groups, and lawyers, doctors, civil servants, employees of public institutions and people in the financial industry are all listed as preferential targets for credit loans. Employees in these industries can get about 654.38+10,000 yuan of secured loans from ICBC, CCB and other financial institutions just by looking for one or two colleagues to guarantee them. 5. Apply for unemployment loans with a re-employment concession card. Everyone can borrow up to 20,000 yuan, and the interest rate is the lowest among local bank loans. Enterprises that absorb laid-off workers 10 can enjoy a low-interest loan of up to 200,000 yuan.

3. Can I refinance after the interest-free venture loan expires?

At present, many loan products are cyclical, and you can apply repeatedly after the payment expires. Some of them don't need to be reviewed again, and you can continue to use the loan directly. In short, whether you can continue to apply after the loan expires mainly depends on the following aspects:

1, product attribute. Some products are one-off, because there are great variables in the initial stage of an enterprise's business. Some poor management may lead to financial difficulties and affect the progress of subsequent repayment. Therefore, after the loan expires, it needs to be reapplied and the bank will re-examine.

2. Enterprise situation. The situation of an enterprise is related to the approval rate of venture loans. Once the credit information and business conditions deteriorate, it is not only impossible to continue to apply, but the current loan may need to be settled immediately. In a word, the situation is very complicated.

4. Can I repay interest-free again after the repayment expires?

Of course you can,