It depends. According to the inquiry of official website, Changshu Rural Commercial Bank, the following four conditions should be met to renew the loan in Xiang Xing: the borrower's production and business activities are normal, the interest can be paid on time, the loan principal is reduced by more than 5%, and the loan guarantee is effective, so it is a revolving loan. Those who meet the above four conditions can renew their loans, and vice versa. Changshu, referred to as Yu for short, is named the national historical and cultural city Changshu because of its fertile soil and no floods and droughts for 20 years.