How to apply for deferred repayment of bank loans

Can I apply for an extension when the loan expires?

Legal analysis: If the bank loan is not paid, you can apply for an extension. If something happens and you are temporarily unable to repay, the applicant needs to take the initiative to contact the bank, explain the specific reasons, and then show the willingness to repay voluntarily before applying for an extension. The bank will decide whether to postpone it according to the situation.

Legal basis: Article 12 of the General Principles of Loans stipulates that 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. When applying for secured loan, mortgage loan or extension, the guarantor, mortgagor and pledgor shall also issue a written certificate agreeing to the extension. If there is an agreement, it shall be implemented in accordance with the agreement.

The cumulative extension period of short-term loans shall not exceed the original loan period; The cumulative extension period of medium-term loans shall not exceed half of the original loan period; The cumulative extension period of long-term loans shall not exceed 3 years. Unless otherwise stipulated by the state. If the borrower 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.

How to apply for deferred repayment of loans

The ways to apply for extension after the loan expires are as follows:

1. Counter application:

The borrower can bring his/her ID card and loan contract to the business hall of the lending institution, submit an application for deferred repayment to the staff, and present relevant information as required, so that it can be handled with their help.

2. Customer service telephone application:

The borrower can call the customer service phone number of the lending institution, and then connect the manual service according to the prompt, and then apply to the staff for deferred repayment, and then provide the ID number and loan contract number.

To apply for a personal bank loan, you must meet the following conditions:

First, he has reached the age of 25 and has full capacity for civil conduct; And have permanent residence or valid residence certificate in China.

Second, having a fixed occupation or a stable economic income can guarantee the ability to repay the principal and interest on schedule.

Third, the credit record is good and there is no bad credit record.

Fourth, it can provide legal and effective guarantees recognized by banks.

Fifth, other conditions stipulated by the bank.

Information that an individual needs to provide when applying for a bank loan:

Loan application; The original and photocopy of the ID card, household registration book and marriage certificate of both husband and wife, and the co-owner of the property agrees to the loan; Occupation, income certificate and family property status information of husband and wife (work certificate, bank account, property right certificate, vehicle driving license, etc.). ); Proof of fixed place (real estate license and water, electricity, gas and other documents in the last three months); Loan contract.

For personal guarantee, the following information shall be provided:

Original and photocopy of ID card, household registration book and marriage certificate of both husband and wife; Occupation, income certificate and family property status information of husband and wife (work certificate, bank account, property right certificate, vehicle driving license, etc.). ); Proof of fixed place (real estate license and water, electricity, gas and other documents in the last three months); Personal bank credit information inquiry system; Notarization.

For enterprise guarantee, the following information shall be provided:

Original and photocopy of business license, original and photocopy of tax registration certificate (national tax and local tax), organization code certificate, articles of association, ID card of legal representative of the enterprise, loan card (annual inspection) and credit certificate; Shareholders' consent; Financial statements: financial statements at the end of last year and the last three months (with audit reports). Including balance sheet, income statement, cash flow statement and bank statement (with bank seal); Special industries need to provide EIA data (EIA report, pollutant discharge permit).

Property mortgage should be issued:

Identity cards, household registration books and marriage certificates of both husband and wife; The property owner agrees to mortgage; Real estate needs to be registered.

Can I apply for a loan extension?

You can apply for an extension. Borrowers can find some reasonable reasons, explain to the bank the particularity of their own situation and the approximate repayment time, ask the bank to understand, indirectly apply for an extension, and strive to extend the repayment period.

1. Loan extension refers to the behavior of the lender to delay the repayment of the loan when it applies to the loan bank and is approved. If the loan cannot be repaid at maturity, the formalities for extending the repayment time shall be handled after approval. It is a credit principle that enterprises must abide by, and it is also a prerequisite for banks to speed up credit supply. If the enterprise fails to repay the loan on schedule due to special circumstances, it shall apply and explain the situation. After the approval of the bank, the repayment time can be extended, but the extension procedures need to be handled, otherwise it will be treated as overdue loans.

Two, under normal circumstances, 30 working days in advance to the loan bank to apply for extension. The loan extension shall not be lower than the original loan conditions: the short-term loan extension 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.

3. During the performance of the original contract, if the borrower fails to repay the loan on time according to the original repayment plan, he may submit a written application to the loan bank to extend the loan term. After the loan bank agrees, he shall sign the Agreement on Deferred Repayment of Personal Housing Loan and go through the relevant formalities, and the guarantor shall sign the Agreement on Deferred Repayment.

First, go to the counter to apply for bringing your ID card and loan contract to submit an application for deferred repayment to the staff, show relevant information according to the requirements of the staff, and handle it with the help of the staff.

Second, you can call customer service to apply for connecting the phone, then connect the manual service according to the prompt, and then apply to the staff for deferred repayment. After that, you can provide the ID number and the contract number of the loan.

3. Generally, apply to the loan bank 30 working days in advance. During the performance of the original contract, the loan extension shall not be lower than the original loan conditions, and the short-term loan extension shall not exceed the original loan term; The medium-term loan extension shall not exceed half of the original loan extension; The longest extension of long-term loans shall not exceed 3 years.

4. During the performance of the contract, if the borrower fails to repay the loan on schedule according to the original repayment plan, he may submit a written application to the loan bank to extend the loan period. After the loan bank approves, the guarantor will sign a deferred repayment agreement.