Failure to negotiate is first of all a conflict of interest. If you agree to installment, you will lose an income.

Secondly, the repayment time is directly proportional to the bad debt rate, and the amount is relatively large, so banks generally will not agree. Banks are mainly worried about big sleep.

since the bank doesn't agree, we can only find a way by ourselves. If it is overdue, it will first affect our credit investigation. Therefore, Uncle Wei's suggestion is not recommended by stages if it can be done once. Don't worry about the face problem, there will be no regret medicine to sell. In this case, only family members can and are willing to help you.

When negotiating with the bank, we should be sincere first. After all, we owe the bank money if we agree or disagree with each other. Express the willingness to repay, let the bank know our attitude, there is no fact of malicious non-repayment. It's just that there are xx reasons, and I'm having difficulty in turnover.

keep some relevant evidence as much as possible. For example, audio such as abuse and intimidation of the collection personnel is used as a bargaining chip. After all, there is a CBRC on the bank!

the more difficult it is, the more assertive it is. If the bank still doesn't agree, it can't be broken.

It's always more difficult!

if it is not settled for one day, the penalty interest will still be compounded, and no one will be well off if it is overdue.

even if you express your willingness to repay, you will get a few hundred each. However, even the interest is not deducted enough, and it doesn't help to pay the principal. < P > Working for a bank still ends up complaining. Be sure to find a way to stop loss after the deadline!