if the borrower owes the bank loan and can't repay it, he can't ask for interest-free principal repayment. However, before the repayment period expires, the borrower may negotiate with the bank to postpone the repayment by stages. If approved by the bank, the borrower can repay the loan in installments or postponed; If the bank does not agree, the borrower still needs to repay the loan according to the original term and method, and the bank can defend its rights through litigation and other means. Legal basis: Article 678 of the Civil Code, the borrower may apply to the lender for extension before the repayment period expires; If the lender agrees, it can be extended. Article 1 of the Civil Procedure Law of the People's Republic of China * * * If an agreement is reached through mediation, the people's court shall prepare a conciliation statement. Article 123 A lawsuit shall be filed with the people's court, and copies shall be submitted according to the number of defendants. Article 243rd A legally effective civil judgment or written order must be fulfilled by the parties. If one party refuses to perform, the other party may apply to the people's court for execution, or the judge may transfer it to the executor for execution. Article 25 If the person subjected to execution fails to perform the obligations specified in the legal document according to the notice of execution, the people's court has the right to seal up, detain, freeze, auction or sell off the property that the person subjected to execution should perform. However, the necessities of life of the person subjected to execution and his dependents should be retained.

legal basis

article 1 of the civil code of the people's Republic of China, the urban and rural cooperative economic organizations are legal persons, and the urban and rural cooperative economic organizations have obtained legal person status according to law. Where laws and administrative regulations provide for cooperative economic organizations in urban and rural areas, such provisions shall prevail.

article 123 of the civil code of the people's Republic of China defines intellectual property rights. civil subjects enjoy intellectual property rights according to law. Intellectual property rights are the exclusive rights enjoyed by the obligee with respect to the following objects according to law: (1) works; (2) inventions, utility models and designs; (3) Trademarks; (4) Geographical indications; (5) Business secrets; (6) Layout design of integrated circuits; (7) New plant varieties; (8) Other objects prescribed by law.

article 243rd of the civil code of the people's Republic of China * * * * for the needs of public interests, land owned by collectives, houses of organizations and individuals and other immovable property may be expropriated according to the authority and procedures prescribed by law. Expropriation of collectively owned land shall pay land compensation fees, resettlement subsidies and compensation fees for rural villagers' houses, other ground attachments and young crops in full and on time in accordance with the law, and arrange social security fees for land-expropriated farmers to protect their lives and safeguard their legitimate rights and interests. Expropriation of houses and other immovable property of organizations and individuals shall be compensated according to law to safeguard the legitimate rights and interests of the expropriated person; Where individual houses are expropriated, the living conditions of the expropriated person shall also be guaranteed. No organization or individual may embezzle, misappropriate, privately divide, withhold or default in collecting compensation fees.

article 25 of the civil code of the people's Republic of China state ownership of natural resources. natural resources such as forests, mountains, grasslands, wasteland and beaches belong to the state, except those that are collectively owned by law.

article 678 of the civil code of the people's Republic of China * * * the borrower may apply to the lender for an extension of the loan before the repayment period expires; If the lender agrees, it can be extended.