Legal analysis: Hello, you can negotiate with the lending institution, and special circumstances can be handled specially.

Legal basis: Article 675 of the Civil Code of People's Republic of China (PRC), the borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 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.