First, apply for extension, that is, extend the loan term, and the loan extension shall not be lower than the original loan conditions. The extension of short-term loans shall not exceed the original loan term; The extension of medium-term loans shall not exceed half of the original loan term; The longest extension of long-term loans shall not exceed 3 years. If the customer fails to apply for extension or the application for extension is not approved, the loan will be transferred to the overdue loan account from the day after the maturity date; The second is to borrow money to repay. If the borrower fails to repay the loan, the consequences will be very serious, mainly in the following aspects: 1, the bank loan officer will call the borrower; 2. The loan will be deducted; 3, collateral or auction, if there is a guarantor, then the guarantor will bear joint and several liability; 4. Personal credit records will leave a "stain", which will affect the application for loans and credit cards in the future.