dài / kuǎn / dào / qī / qián / jiè / kuǎn / rén / kě / yǐ / xiàng / yín / háng / shēn / qǐng / zài / róng / zī

贷款到期前，借款人可以向银行申请再融资。

Before the loan comes due, the borrower can apply to the bank for refinancing.