Legal analysis: Apply for extension of loan repayment. During the performance of the original mortgage contract, if the borrower can't repay the loan on time according to the original repayment plan, he can apply to the loan bank in writing to extend the loan period. After the loan bank approves, he will sign an agreement on deferred repayment of personal housing loan and go through the relevant formalities. At the same time, the guarantor will sign the agreement on deferred repayment. Legal basis: Article 675 of the Civil Code of the People's Republic of China shall repay the loan within the agreed time limit. If the loan term is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 51 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.