1. Use the minimum repayment amount: if the repayment cannot be made in full, the bank allows the minimum repayment amount, which is generally10% of the consumption amount;

2. Repayment by installments: If you can't repay in full, you can also choose to repay by installments. 200,000 yuan can be repaid in 36 installments, and only a few thousand yuan is needed every month;

3. Loan repayment: Generally, you can borrow from the bank.

4. Negotiate repayment: If it is really impossible to repay, you can take the initiative to contact the bank to inform the current economic situation and negotiate repayment.