Legal analysis: 1. Negotiate. If you are temporarily unable to repay, you can sign an installment repayment agreement. 2. If negotiation fails, collect evidence and file a lawsuit in court.

Legal basis: "People's Republic of China and Civil Code"

Article 673: If the borrower fails to use the loan in accordance with the agreed purpose of the loan, the lender may stop Issue loans, withdraw loans early or terminate the contract.

Article 674 The borrower shall pay interest according to the agreed period. There is no agreement or the agreement is not clear about the period for payment of interest, and it cannot be determined according to the provisions of Article 510 of this Law. If the loan period is less than one year, it shall be paid when the loan is returned; if the loan period is more than one year, It shall be paid at the end of each year. If the remaining period is less than one year, it shall be paid when the loan is returned.

Article 675 The borrower shall repay the loan within the agreed time limit. If there is no agreement on the loan period or the agreement is unclear, and it cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; the lender may urge the borrower to return it within a reasonable period of time.