If the arrears are not repaid and temporarily unable to repay, an extension may be applied before the repayment period expires. If the lender agrees, they can extend the term or negotiate with the lender to repay the arrears in installments. If they can refuse to pay back, the other party can file a lawsuit.

Legal objectivity:

Article 678 of the Civil Code: Before the repayment period expires, the borrower may apply to the lender for extension; If the lender agrees, it can be extended. Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state. Article 675 The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.