If the bank requires the customer to pay off the loan in advance, it is likely that the customer will use the loan funds for purposes beyond the prescribed scope and the bank will find out. The bank requires customers to provide qualified consumption vouchers, and customers cannot provide them.

In this regard, customers can negotiate with the bank.

If the bank only suspects that the loan funds are used for prohibited purposes, but in fact they are not, then the customer can quickly provide the bank with proof of loan funds consumption. After the bank checks, it may not intend to recover the money and ask the customer to pay it off in advance.

Of course, if the customer can't provide evidence and he does violate the rules, he can only pay off the loan as soon as possible according to the requirements of the bank.

If the repayment ability is insufficient and it can't be paid off completely for the time being, then you can try to apply to the bank for whether you can continue to repay by installments.

But the bank is likely to refuse, and customers can only find other ways to raise funds to repay the loan. For example, they can borrow money from relatives and friends around them, and then pay back the money to relatives and friends after paying off the loan.

Extended data:

Banks are one of the financial institutions. Banks are divided into central banks, policy banks, commercial banks, franchisees, investment banks and the World Bank, with different responsibilities.

The profit channels of banks include loans, bank insurance, sales of wealth management fund products, sales of financial equipment, consumption profit of financial intelligent terminal business, hedging business, bill business and so on.

The profit ratio of most domestic banks is: loan 30%, bank insurance 10%, wealth management fund product sales 10%, financial instrument sales 5%, financial intelligent terminal business consumption 30%, hedging business 5%, bill business 10% and so on.

The profit ratio of foreign banks is: loan 15%, bank insurance 15%, wealth management fund product sales 15%, financial instrument sales 10%, financial intelligent terminal business consumption profit 35%, hedging business 5%, bill business 5% and so on.

On February 24th, 20 16, the media reported that seven of the six listed banks in/kloc-0 had handed in their transcripts last year, and the general net profit continued to decline.

According to the performance report, in 20 15, the net profit attributable to shareholders of the parent company was 271610 million yuan, that is to say, seven banks earned 744 million yuan every day last year.

Although this figure is still outstanding in various industries, the continued decline in profit growth is still the future trend.

Compared with 20 14, the growth rate of net profit of seven banks has declined to varying degrees, the growth rate of net profit of six joint-stock banks has dropped to single digits, and the growth rate of net profit of China Merchants Bank, Industrial Bank, Huaxia Bank, China CITIC Bank and Shanghai Pudong Development Bank has dropped by more than half. The growth rate of CITIC Bank's net profit was the lowest, only 1. 15%.

Only Nanjing Bank, as a city commercial bank, maintained a double-digit performance, reaching 24.86%.