Steps to negotiate repayment.

1, told to negotiate repayment, and called the bank to find out the amount you need to repay and how much principal and interest you need to repay. If there is installment payment, there will be interest. How to calculate this interest must be clearly negotiated with the bank. As a customer, I have the right to know these contents. After calculating the principal and interest, the customer service will help you register according to your repayment ability and the bank's negotiation on how much principal will be repaid in each period.

2, wait for the bank to call back, and wait for the call back can be long or short, such as Pufa, and the traffic may be transferred to you on the spot. However, it is usually not necessary to negotiate for more than three accounting days. If it takes more than three months, it will be more difficult to negotiate. If the bank calls back, explain your situation. Don't be timid. If it is because of illness, imprisonment, bankruptcy, poverty and other reasons, it can save time. Here is a case. A customer negotiated with Shanghai Pudong Development Bank to repay the 36th installment, and then the bank called back and told the customer to submit the certificate within 7 days. The customer is delayed, and it will be gone after the time. The customer needs to repay in full. Therefore, I would like to remind you not to take the return call from the bank seriously. If the information is not submitted on time, the bank will default to negotiation failure.

3, the second call is to tell you whether it is successful or not, and it is generally successful. We have determined three points, how much to divide by stages, how much to pay, and how much to reduce or exempt interest. The bank may also take the initiative to ask you how many issues you want and how much it costs. It must be recorded here, mainly for fear that the bank will go back on its word. We need to leave evidence.

3. There are three forms of bank signing scheme: recording, electronic agreement and paper agreement. Generally, commercial banks are in the form of recording, which should be recorded until the settlement date of your arrears. This is what the bank wants to keep. Ping An Bank uses electronic protocols. The electronic agreement will be sent to you for signature after the negotiation of Ping An, or you may be asked to sign it after the completion of the first stage. Paper agreements are generally built by workers and peasants in China, and the postal service must sign them offline, so the agreement with the construction is very flexible. Both online and offline.