In a loan repayment dispute, the borrower applies to the lender for extension in time before the repayment period expires, and if the lender agrees, it will be regarded as loan extension; If the borrower does not apply, or the lender does not agree, it is not allowed to issue loans.

legal ground

Article 676 of the Civil Code

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

Article 678

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

Article 120 of the Civil Procedure Law of People's Republic of China (PRC)

The prosecution shall submit a complaint to the people's court, and submit copies according to the number of defendants.

Article 236

A legally effective civil judgment or ruling must be fulfilled by the parties concerned. If one party refuses to perform, the other party may apply to the people's court for execution, or the judge may transfer it to the person subjected to execution for execution.

Article 244

If the person subjected to execution fails to perform the obligations specified in the legal documents according to the notice of execution, the people's court has the right to seal up, detain, freeze, auction or sell off the property that the person subjected to execution should perform. However, the necessities of life of the person subjected to execution and his dependents shall be retained.