Legal analysis: if the loan is not repaid during the epidemic, the borrower is a person seriously affected by the epidemic. If the person is hospitalized or isolated due to new pneumonia, the repayment is allowed to be postponed; If you do not belong to the above-mentioned personnel, you can also apply for extension or installment repayment, but whether you agree or not depends on the lender.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.

Article 678 The borrower may apply to the lender for extension before the repayment period expires. If the lender agrees, it can be extended.