If the loan is not repaid in advance, you should arrange 1. If money is tight at present or in the short term, you can take the initiative to call the bank and ask for an extension of the repayment period. Banks have this business, called "extension". Although the delay will also record bad records, it shows that you have a good willingness to repay in the future, which is different from "malicious breach of contract". 2. If the family changes or encounters difficulties, it is difficult to continue the mortgage. The best way is to sell the property as soon as possible, with part of the house payment as repayment and the rest for personal use. This will be much more than the remaining house payment obtained by bank auction of real estate, and will not be included in the blacklist of banks, and will not affect future loan applications. Legal basis: Article 67 1 of the Civil Code of People's Republic of China (PRC). If the lender fails to provide the loan according to the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses. If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount. Article 675 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. Article 678 The borrower may apply to the lender for extension before the repayment period expires. If the lender agrees, it can be extended.