Legal analysis: provisions on loan extension: the extension period of short-term loans (with a term of less than one year, including one year) shall not exceed the original loan period; The extension period of medium-term loans (more than one year, less than five years, including five years) shall not exceed half of the original loan period; The cumulative extension period of long-term loans (more than five years) shall not exceed three years. For personal loans, the cumulative extension period shall not exceed the original loan period; For personal loans of more than one year, the cumulative extension period and the original loan period shall not exceed the maximum loan period stipulated by the loan variety.

Legal basis: Article 678 of the Civil Code of People's Republic of China (PRC), the borrower can apply to the lender for extension before the repayment period expires; If the lender agrees, it can be extended.