Legal analysis: it is recommended to repay as soon as possible. 1. If it is really unable to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments. 2. If the lending institution fails to perform the judgment of the court within the performance period after suing the court and winning the case, it will apply to the court for enforcement.

Legal basis: Article 243rd of the Civil Procedure Law of People's Republic of China (PRC). If the person subjected to execution fails to perform the obligations specified in the legal documents according to the notice of execution, the people's court has the right to detain and withdraw the income from which the person subjected to execution should perform the obligations. However, the necessary living expenses of the person subjected to execution and his dependents shall be retained. When withholding or withdrawing income, the people's court shall make a ruling and issue a notice of assistance in execution, which must be handled by the unit to which the person subjected to execution belongs, banks, credit cooperatives and other units with savings business.