During the epidemic, the repayment period was extended, and the time to repay the principal and interest was postponed. The repayment method chosen by the user when making a loan is to repay the principal and interest, so it is necessary to repay the principal and interest in one lump sum on the maturity date, and delaying the repayment of the principal and interest is actually to extend the repayment period and postpone the repayment time. Generally speaking, the loan must be repaid in accordance with the agreement, and even if it needs to be extended, it must be agreed by the lending institution. Under special circumstances, users may apply for deferred repayment. For example, if they have no job or income during the epidemic, they can apply for deferred repayment.