First of all, according to the provisions of the General Principles of Civil Law, Contract Law and other relevant laws, the two-year statute of limitations starts from the expiration of the debt performance period. If the landlord doesn't ask for it, it's not an active exercise of rights. If he is lazy in exercising his creditor's rights, he may face the problem of limitation of action. So we need to understand the landlord's behavior of asking for the loan after it expires.

On the other hand, we agreed on a time limit, and if we don't pay it back when it expires, we really broke the contract, although it was because the loan didn't come down.

I suggest that you can ask the landlord to change the debt, change the payment term, and then explain the reasons for the breach of contract and ask the landlord to forgive you. I feel that this problem should be solved. If he still doesn't want to, you can add some interest to the debt. As for the interest, depending on the personal situation of the landlord, it will be changed only if you agree to change it. If he doesn't agree, he will try to pay some interest as liquidated damages. I hope I can answer your questions and wish you a happy life!