Option a and option c examine the conditions for loan extension. The loan extension shall not be lower than the original loan conditions: the short-term loan extension shall not exceed the original loan term; The extension of medium-term loans shall not exceed half of the original loan term; The extension of long-term loans shall not exceed 3 years.

Option B, whether the loan is extended or not is decided by the lender, not by the lender and the borrower through consultation. Where a secured loan is issued by way of mortgage loan or pledge loan, the guarantor, mortgagor and pledgor shall also issue a written consent certificate. Option b is wrong.

Option d, investigate the time of loan extension. The borrower did not apply for extension or the application was not approved. The loan will be credited to the overdue loan account the day after the maturity date.