After applying to the bank, if the bank agrees to repay the loan by installments, otherwise, if the bank does not agree to repay the loan by installments, it cannot repay the loan by installments. Installment repayment means that there will be multiple repayments, and the repayment principal and interest will be allocated to each repayment. Article 675 of the Civil Code stipulates that 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.