Legal analysis: If you are unable to repay the loan, you can apply to the bank for installment repayment, but you cannot apply for interest exemption. According to relevant legal provisions, debts must be paid off. If the debt is temporarily unable to repay, the debtor may repay it in installments with the consent of the creditor or the ruling of the people's court. If the person has the ability to repay but refuses to do so, the People's Court shall make a judgment to force repayment. The People's Court has the power to seize, freeze, transfer, and change the value of the property of the person subject to execution based on different circumstances. The property inquired, seized, frozen, transferred, and valuated by the People's Court shall not exceed the scope of the obligations that the person subject to execution shall perform. When the people's court decides to seize, freeze, transfer or change property, it shall make a ruling and issue a notice of assistance in execution, and the relevant units must handle it.

Legal basis: Article 676 of the "People's Republic of China and Civil Code" If the borrower fails to return the loan within the agreed time limit, he shall pay overdue interest in accordance with the agreement or relevant national regulations.