If the loan is not due, you can apply for an extension. The premise is that the lender really cannot repay the loan on time under special circumstances. Lenders need to take the initiative to contact the loan bank to explain the situation and apply for extension, indicating that individuals are temporarily unable to repay, and provide corresponding supporting materials.

Whether it can pass the bank's audit depends on whether the borrower's inability to repay the loan is true and the credit qualification of the lender. With the approval of the bank, the repayment time can be extended; If it fails to pass the audit, the lender must repay the loan according to the original repayment plan.

If the bank loan cannot be repaid at maturity and the borrower needs to postpone the repayment, he shall apply 15 days before the repayment date. If the bank does not agree to postpone repayment, it is suggested to find a way to pay off the arrears as soon as possible, because the longer the overdue time, the more interest and the more serious the consequences.

Will loan deferred repayment affect personal credit?

Loan deferred repayment will not affect personal credit. After applying for loan deferred repayment, loans overdue records will not appear in personal credit information, because this is a repayment method recognized by the lending institution, and the lending institution will not upload loans overdue records to personal credit information. Therefore, in the case of temporary inability to repay, you can try to apply for deferred repayment, which can prevent overdue repayment and affect personal credit.