Divided into three categories: 1. The credit loan has not been paid back, and the principal interest and penalty interest should be paid off as soon as possible. Consult customer service staff to understand their credit situation: 2. The mortgage has not been repaid, and the cash flow is difficult. You need to apply to the bank for extension in advance, provided that the extension of short-term loans should not exceed half of the original term and the extension of long-term loans should not exceed three years. 3.