The longest delay time of loan payment is 12 months. Meaning: When a customer applies for a loan, the extension time of the applied loan term cannot exceed 12 months. According to relevant public information, this situation belongs to: deferred repayment, which generally belongs to the type of repayment after negotiation. This repayment method can reduce the repayment pressure again, but it is still overdue and will still have an impact on credit reporting.