Legal analysis: bank loans can only repay the principal but not the interest. Interest is one of the main incomes of banks, and it is definitely not possible to borrow money from banks without paying interest. If the lender is unable to repay, it can repay the principal and interest in installments.

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

Article 118 A civil subject enjoys creditor's rights according to law.

Creditor's right is the right of obligee to request a specific debtor to perform or not to perform an act based on contract, tort, negotiorum gestio, unjust enrichment and other provisions of the law.

Article 119 A legally established contract is legally binding on the parties.

Article 120 Where the civil rights and interests are infringed, the infringed has the right to request the infringer to bear the tort liability.