Legal analysis: the loan can terminate the contract in advance, as long as both parties reach an agreement through consultation. The parties may terminate the contract if they reach an agreement through consultation. The parties may agree on the reasons for one party to terminate the contract. When the reasons for the termination of the contract arise, the creditor may terminate the contract. Among them, loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Legal basis: Article 562 of the Civil Code of People's Republic of China (PRC), the parties can terminate the contract through consultation. The parties may agree on the reasons for one party to terminate the contract. When the reasons for the termination of the contract arise, the creditor may terminate the contract.