Ar cle 672 A lender may inspect and supervise the use of the loan in accordance with the agreement. A borrower shall regularly provide the relevant nancial and accoun ng statements or other materials to the lender in accordance with the agreement. Ar cle 673 Where a borrower fails to use the loan for a purpose in accordance with the contract, the lender may stop providing the loan, recall the loan prior to its due date, or rescind the contract. Ar cle 674 A borrower shall pay the interest within the agreed me limit. Where there is no agreement between the par es on the me limit for payment of interest or the agreement is unclear, if it cannot be determined according to the provisions of Ar cle 510 of this Code, the interest shall be paid at the me the principal is repaid if the term of the loan is less than one year; the interest shall be paid at the end of each full year if the term of the loan is more than one year, and the interest shall be paid when the principal is repaid if the remaining term is less than one year. Ar cle 675 A borrower shall repay the loan within the agreed me limit. Where there is no agreement between the par es on the me limit of repayment of the loan, or the agreement is unclear, if it cannot be determined according to the provisions of Ar cle 510 of this Code, the borrower may repay the loan at any me, and the lender may demand the borrower to repay the loan within a reasonable period of me. Ar cle 676 A borrower who fails to repay the loan within the agreed me limit shall pay an overdue interest in accordance with the agreement or the relevant regula ons of the State. Ar cle 677 Where a borrower makes a prepayment of the loan, unless otherwise agreed by the par es, the interest shall be calculated according to the actual dura on of the loan. Ar cle 678 A borrower may apply to the lender for an extension of the term of the loan before the loan becomes due. The term of the loan may be extended upon consent of the lender. Ar cle 679 A loan contract between natural persons is formed at the me when the lender provides the loan. Ar cle 680 Usurious loans are prohibited, and the interest rate for lending shall not violate the relevant regula ons of the State. Where there is no agreement on payment of interest in the loan contract, the loan shall be deemed as bearing no interest. Where the agreement on the payment of interest in a loan contract is unclear, if the par es are unable to reach a supplementary agreement, the interest shall be determined by taking account of the prac ces of the local area or between the par es such as the method of transac on, course of dealing, the market interest rate, and the like. Where the loan is between nature persons, the loan shall be deemed as bearing no interest. Chapter XIII Suretyship Contracts Sec on 1 General Rules Ar cle 681 A suretyship contract is a contract under which a surety and a creditor agree, for the purpose of ensuring the enforcement of an underlying claim, that the surety shall perform the obliga on or bear the liability when the debtor fails to perform it when it is due or a circumstance as agreed by the par es occurs. ti ti ti ti ti ti ti ti ti ti ti ti ti ti ti ti ti fi ti ti ti ti ti ti ti ti ti ti ti ti ti ti ti ti ti ti ti 74 ti ti the borrower shall bear the liability for compensa on. A borrower who fails to take the loan at the agreed me and amount shall pay an interest based on the agreed me and amount.