You can apply

2. When the bank loan expires, can I apply for an extension? What is the specific operation process?

Generally speaking, you can't. You can borrow money to pay it off first. Then re-apply for a loan and go through the relevant procedures. The loan will be repaid as soon as it arrives.

Otherwise, there is no credit record in the bank's credit record, which has a great influence on the later re-application.

Can I apply for an extension when the bank loan is due? What is the specific operation process?

When the lender fails to repay the loan according to the contract, it should take the initiative to contact the loan bank and apply for loan extension. If the bank determines that the lender has temporary difficulties during the loan period, which leads to the inability to repay the loan principal on schedule and meets the conditions stipulated in the extension period, the extension period may be extended. The conditions to be met for loan extension are as follows: whether to extend the loan is decided by the lender, but the guarantor, mortgagor and pledger need to issue written consent certificates. If there is an agreement, it shall be implemented in accordance with the agreement; The loan extension period 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; The lender's application for extension needs to be true, and there can be no malicious non-repayment. Note: Extension Time of Personal Loans The CBRC stipulated in the Interim Measures for the Management of Personal Loans issued in February 20 10 that the cumulative extension period of short-term loans (with a term below 1 year, including 1 year) shall not exceed the original loan term; 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. Unless otherwise stipulated by the state. If the borrower fails to apply for extension or the application is not approved, the loan will be credited to the overdue loan account from the day after the maturity date. The loan extension needs to be applied more than 30 working days in advance.

4. Can I apply for an extension when the bank loan is due?

Bank loan deferred loan is a way to obtain funds. Nowadays, many people apply for loans from banks when they are away from home. However, applying for a bank loan needs to meet the loan conditions, and some loans also need collateral. So you need to apply for loan products according to your actual situation. The bank loan is due, but you can try to apply for an extension. After the user applies for an extension, the bank will review the user. Only after passing the examination will the bank agree to the extension. If it fails to pass the audit, the user must repay according to the original repayment plan. For users, only users with good credit qualifications can successfully apply for extension. In addition, some loans do not support extension applications. Users can consult the bank before applying for extension to find out whether the loan can be extended. Extended data:

First, how long will the bank stay in loans overdue? If the bank loan has a grace period, it will not be overdue if it is not repaid within the grace period. The grace period is generally 1-3 days, so the first day after the grace period is overdue. If the bank loan has no grace period, it will be overdue on the first day after repayment. Bank loans overdue will produce overdue records and overdue interest, which will directly lead to poor personal credit information. Poor personal credit information of customers will make it impossible to apply for other loans. Please pay attention to repayment to the bank on time. If you are not careful, loans overdue needs to solve loans overdue as soon as possible. The loan bank applies for loan renewal. When the last loan expires, the customer can apply for loan renewal. If the lending bank is not compatible with loan renewal, and the last loan expires, the customer cannot apply for loan renewal, but for consumers, they can apply for a new loan again. Therefore, whether the loan bank can renew the loan mainly depends on the requirements of financial institutions (banks). Different banks have different rules. If the user is allowed to renew the loan, he can submit a renewal application before the loan expires. After the loan renewal application is approved, the repayment period will be extended. Third, can bank loans be repaid in advance? Bank loans can be repaid in advance. When signing a loan contract, if it is mentioned in the contract, users are allowed to repay in advance, and users can repay in advance. If the user is not allowed to repay in advance, the user can only repay on time as agreed, unless the situation is extremely special. In fact, the user's prepayment is a breach of contract. Generally speaking, they need to pay liquidated damages, but after meeting certain conditions, they need to repay in advance, and sometimes they don't need to pay liquidated damages. Reminder: No matter what loans banks issue, they are all connected with the central bank's credit investigation. Therefore, the lender will definitely go to the credit information system when applying for a loan. Therefore, the lender needs to repay the loan on time, and there will be no overdue records.