Legal analysis: During the epidemic period, the loan repayment can be delayed, but it cannot be suspended. According to relevant laws, the party unable to perform the contract due to force majeure can be exempted from some responsibilities. The epidemic situation is a force majeure factor, but the loan cannot be suspended.

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

Article 180 A person who is unable to perform his civil obligations due to force majeure shall not bear civil liability. Where there are other provisions in the law, those provisions shall prevail. Force majeure is an unforeseeable, unavoidable and insurmountable objective situation.

Article 590 Where the parties are unable to perform the contract due to force majeure, they shall be exempted from liability in part or in whole according to the influence of force majeure, except as otherwise provided by law. If the contract cannot be performed due to force majeure, the other party shall be informed in time to reduce the possible losses to the other party and provide proof within a reasonable time. If force majeure occurs after the delay in performance, the parties concerned shall not be exempted from the liability for breach of contract.