The methods for applying for extension after the loan expires are:

1. Application at the counter

The borrower can bring his ID card and loan contract to the business hall of the lending institution. Submit an application for loan deferment to the staff, provide relevant information as required, and the application can be processed with their help.

2. Customer service hotline application

The borrower can call the customer service hotline of the loan institution. After answering the phone, follow the prompts to connect to the manual service, and then submit an application for deferred repayment to the staff. After that, provide the ID number, loan contract number, etc. to process.

If users want to apply for credit card deferred repayment, it is best to apply before it is overdue. If you apply after it is overdue, it will be more difficult. First, you need to explain why you need to defer repayment, such as unemployment, inability to repay, diagnosis of a major disease, etc. Then submit the relevant certificates to the bank. After regular review, the bank will generally agree to the request for deferred repayment.

After the due date, it is very difficult to apply for an extension of repayment. Unless it is an emergency, the bank will not agree to an extension.

According to the relevant regulations of the People's Bank of China, currently in my country's commercial bank loans, extensions should be handled in accordance with the following regulations: the cumulative extension period of short-term loans shall not exceed the original loan period; the extension period of medium-term loans The cumulative period shall not exceed half of the original loan term; the cumulative extension period of long-term loans shall not exceed 3 years. Except as otherwise provided by the state. If the borrower does not apply for extension or the application for extension is not approved, the loan will be transferred to the overdue loan account from the day after the expiration date. When a financial institution borrows money, it shall determine the contract period after extension in accordance with the above provisions.

During the epidemic, major banks have different regulations for deferred repayment applications. Specifically, you can apply according to the following instructions:

ICBC:

Due to the epidemic Under special circumstances, you can apply for an extension, which will not affect your credit record.

However, the customer service staff for related business such as extension time cannot handle it, and customers need to go to the mortgage approval branch to apply, review, and verify. Because it has not yet officially started work, the customer service staff can register and report it first and provide feedback to the branch. The loan business staff will verify and process it after they officially go to work.