First of all, delaying the repayment of undergraduate loans will not have a direct impact on the application for graduate loans. Graduate loans are provided by different institutions or banks, which are usually different from borrowers of undergraduate loans. Therefore, the repayment of loans at the undergraduate stage will generally not directly affect the loan application at the graduate stage.

Secondly, the approval of postgraduate loans pays more attention to students' academic performance and economic situation. Postgraduate loans are usually evaluated by comprehensively considering students' academic performance, scientific research ability, personal background and other factors, without paying too much attention to the repayment of loans at the undergraduate level.

Finally, the postgraduate loan is approved according to the application requirements and policies at that time, and the specific policies may be adjusted according to local education policies, economic conditions and other factors. Therefore, even if there is a delay in repayment at the undergraduate level, it is still possible to obtain student loan funding as long as the application conditions for graduate loans are met.

To sum up, delaying the repayment of undergraduate loans usually does not directly affect the application for graduate loans. The approval of postgraduate loans pays more attention to academic ability and personal background, and has little to do with repayment of loans at the undergraduate stage. However, the specific application requirements and policies may change with the change of region and time. It is recommended that you carefully understand the relevant local policies and requirements when applying for graduate loans.

Extended data:

Postgraduate loans in China are usually provided by local education departments or China Development Bank, aiming at helping graduate students with financial difficulties to complete their studies. Students can apply for loans according to their personal circumstances and repay them in the agreed way. Usually, the loan interest rate for graduate students is low and the repayment period is long, which reduces the economic pressure of graduate students to some extent. In order to ensure the fairness and transparency of loans, local education departments will review loan applications according to relevant policies and requirements to ensure the reasonable allocation of loan funds.