Legal analysis: this should be discussed in detail: in the first case, if the loan contract signed at the beginning has a clear repayment date and the repayment date is still 10, the repayment period has not expired; In the second case, if there is a clear repayment date in the loan contract signed at the beginning, and the repayment date is less than 3 years away from the dunning, the repayment period has not yet expired; In the third case, if there is a clear repayment date in the loan contract signed at the beginning, but the repayment date has passed 3 years from the dunning, then the repayment period has passed and there is no need to repay; In the fourth case, if the repayment date is not stipulated in the signed contract, the lender may demand repayment at any time.

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

Article 675 The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.

Article 677 Where the borrower repays the loan in advance, unless otherwise agreed by the parties, the interest shall be calculated according to the actual loan period.