Legal analysis: If the bank loan is not paid, you can apply for an extension. If something happens and you are temporarily unable to repay, the applicant needs to take the initiative to contact the bank, explain the specific reasons, and then show the willingness to repay voluntarily before applying for an extension. The bank will decide whether to postpone it according to the situation.

Legal basis: Article 12 of the General Principles of Loans stipulates that if the loan cannot be repaid on schedule, the borrower shall apply to the lender for extension before the loan expires. Whether the extension is decided by the lender. When applying for the extension of secured loan, mortgage loan or pledged loan, the guarantor, mortgagor and pledger shall also issue a written certificate agreeing to the extension. If there is an agreement, it shall be implemented in accordance with the agreement.

The cumulative extension period of short-term loans shall not exceed the original loan period; The cumulative extension period of medium-term loans shall not exceed half of the original loan period; The cumulative extension period of long-term loans shall not exceed 3 years. Unless otherwise stipulated by the state. If the borrower fails to apply for extension or the application for extension is not approved, the loan will be transferred to the overdue loan account from the day after the maturity date.