Legal analysis: No, if the bank can't pay the due loan, there are generally the following ways to deal with it:

1. Apply for deferred repayment: The borrower can take the initiative to negotiate with the bank staff on the loan maturity date, apply for deferred repayment, re-determine the repayment date, and then pay off the debt on the new repayment date.

2. Borrow money from relatives and friends: If all the above methods fail, the borrower can borrow a sum of money from relatives and friends first, pay off the bank loan first, and then pay off the debt a little.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 673 Where the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.

Article 674 The borrower shall pay interest at the agreed time limit. If the term of interest payment is not stipulated or clearly stipulated, it cannot be determined according to the provisions of Article 510 of this Law. If the loan term is less than one year, it shall be paid together with the loan repayment; If the loan term exceeds one year, it will be repaid once a year; If the remaining term is less than one year, it shall be paid together with the loan.

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.

If your loan is not due yet, can we negotiate?

Try to negotiate.

If the loan is not paid, the loan will enter the second-level management, and the lender will collect it from you then. The specific methods will vary from person to person.

When the loan cannot be repaid after three months, it will enter a non-performing loan, and the bank may recover it through administrative intervention or judicial channels.

If loans overdue behaves well, it can still be remedied. You might as well try the following methods.

1. Apply for loan extension

If the lender encounters temporary cash flow difficulties during the loan period, resulting in the inability to repay the loan principal on schedule and meeting the requirements for extension, in general, it may apply to the loan bank for extension 30 working days in advance.

2. Use credit card to repay in installments

But the lender needs to bear the installment fee.

Borrow money from friends and relatives

It's best to return it on time. This kind of human loan is definitely easy to borrow and repay, and it is not difficult to borrow again.

4. Earn money well and spend reasonably.

If you don't borrow money, you will never be overdue. You should still work hard to make money and spend it reasonably within your ability. In the final analysis, this is the fundamental way to solve the overdue.

You and me _ Baidu Encyclopedia

How does loans overdue negotiate with the bank?

1, user loans overdue, should take the initiative to call the bank hotline, explain to the customer service the reasons for his overdue, and then apply for repayment through negotiation. If the customer service refuses the user's repayment application through negotiation, the user must pay off the overdue debt as soon as possible. After accepting the user's application, the customer service will generally ask the user to upload relevant certification materials for review. The more materials can be submitted, the more favorable the negotiation will be.

2. After the user submits the application for negotiated repayment, because the bank cannot judge the specific situation through the user's oral content, it needs to upload proof materials, which can explain whether the actual situation described by the user is true or not. The user really caused the bank to loans overdue for special reasons, and then submitted proof materials, and both parties can generally negotiate successfully.

3. Agreed repayment generally refers to extending the repayment period, and the bank will give certain interest relief, which can reduce the repayment pressure of users and let users pay off overdue debts as soon as possible.

4. If the credit loan has not been repaid, the user must have enough strong proof to apply to the bank for deferred repayment. For example, users cannot repay on time due to resignation, serious illness, disability and other reasons. Banks are willing to negotiate repayment with users as long as valid proof materials are submitted. The user does not have this special reason, and the bank is unwilling to postpone repayment. Therefore, there is no skill in negotiating with the bank to postpone repayment, mainly because the user must have strong enough proof materials.