The borrower may apply to the lender for extension of the loan term before its maturity.Upon consent by the lender, the loan term may be extended. 借款人可以在还款期限届满前向贷款人申请展期；贷款人同意的，可以展期。 A contract for loan of money between natural persons is formed at the time the lender makes the loan amount available. 自然人之间的借款合同，自贷款人提供借款时成立。 Usury shall be prohibited, and the interest rate on a loan shall not contravene the relevant provisions issued by the state. The absence of a stipulation about payment of interest in a contract for loan of money shall be treated as charging no interest. 禁止高利放贷，借款的利率不得违反国家有关规定。 借款合同对支付利息没有约定的，视为没有利息。 A surety may require the debtor to provide counter security. 保证人可以要求债务人提供反担保。