Legal analysis: If there is concern, it will return to normal after 6 months of normal repayment, or call the bank after 1 month of normal repayment to ask for cancellation of concern.

Legal basis: Article 574 of the Civil Law of People's Republic of China (PRC) stipulates that if the loan term is less than one year, it shall be paid off when the loan is returned; If the loan term is more than one year, it shall be paid at the end of each year; If the remaining term is less than one year, it will be repaid together with the loan.