Detailed description:

1. Since the loan contract signed between the bank and the borrower is legal, neither party has the right to unilaterally terminate the contract. The bank's announcement that the loan expires in advance cannot be regarded as the automatic termination of the contract, and it needs to be judged according to the contract and relevant laws and regulations.

2. The bank's announcement of the early maturity of the loan may be due to the specific circumstances stipulated in the contract. Loan contracts usually stipulate that banks can require borrowers to repay in advance under certain circumstances, such as borrowers' default, risk management needs and so on. In this case, the bank can ask the borrower to repay in advance and take corresponding measures.

3. But even if the bank announces that the loan is due in advance, it needs to be explained according to the contract text. The specific conditions, procedures and related consequences of early maturity can be clearly stipulated in the loan contract. Only when it is clearly stipulated in the contract that the early maturity of the loan will lead to the termination of the contract can the contract be presumed to be terminated.

Summary: the bank's announcement that the loan expires ahead of schedule does not mean that the contract is automatically terminated. Whether to terminate the contract should be judged according to the contract and relevant laws and regulations. The loan contract has clear provisions on the conditions, procedures and consequences of early maturity. Only when these provisions are met can the contract be presumed to be terminated.

Extended data:

According to China's contract law, the termination of a contract is decided by one or both parties exercising the right of termination through consultation. Unless it is clearly stipulated in the loan contract that the bank's announcement of the early maturity of the loan will lead to the termination of the contract, the contract cannot be automatically terminated. If there is no special agreement in the contract, the early maturity of the loan does not mean that the contract will be automatically terminated, and the borrower still needs to fulfill the repayment obligations agreed in the contract.