The "general principles of loans" have corresponding provisions:
Article 71 Under any of the following circumstances, the lender will charge interest on part or all of the loan: if the circumstances are particularly serious, the lender shall stop paying the unused loan of the borrower and recover part or all of the loan in advance:
1. Failing to use the loan for the purpose specified in the loan contract.
Second, the use of loans for equity investment.
Third, engage in speculative business with loans in securities and futures.
Four, not according to the provisions of the loan contract to pay off the loan principal and interest.
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Laws and regulations related to the general principles of loans:
Article 12 If the loan cannot be repaid on schedule, the borrower shall apply to the lender for extension before the loan expires. Whether the extension is decided by the lender. Apply for extension of secured loan, mortgage loan and pledge loan.
The guarantor, mortgagor and pledgor shall also issue a written certificate of consent. If there is an agreement, it shall be implemented in accordance with the agreement. Collection of loan interest: Lenders and borrowers shall collect or pay interest on schedule according to the loan contract and relevant interest-bearing regulations of the People's Bank of China.
Article 13 When the loan extension period and the original term reach the new term grade of interest rate, the loan interest will be collected at the new term grade interest rate from the date of extension. Loans subsidized by relevant departments shall be independently approved and issued by the undertaking bank, and strictly managed in accordance with the relevant provisions of these General Rules.
Baidu encyclopedia-general rules for loans