1. Make a repayment plan: list the balance, interest rate and minimum repayment amount of each debt in detail, and arrange to repay the debts with high interest rate and high overdue risk first.
2. Reduce expenses: review your daily expenses and save money to release more funds for repayment. The budget can be tightened by cutting expenses on entertainment, catering and shopping.
3. increase income: find additional sources of income, such as part-time jobs or renting idle houses, so as to increase the funds available for repayment.
4. negotiation with creditors: contact with creditors as soon as possible, explain your predicament and put forward a repayment plan, and strive to extend the repayment period, reduce interest or adjust the repayment amount.
5. consider debt restructuring: if you can't repay all debts, you can consult a professional institution or lawyer to understand the debt restructuring plan to reduce the repayment pressure.
to sum up, the key to solving the problem that the total amount of credit card loans plus mortgage loans is 2, yuan and will soon be overdue is to make a reasonable repayment plan, cut expenses, increase income, and actively communicate and negotiate with creditors. If you need more guidance, please consult a professional or financial institution.
Extended information: In the face of financial difficulties, it is recommended to seek professional advice in time, such as seeking help from financial consultants, lawyers or credit consulting services. In addition, China's laws do not clearly stipulate how to deal with personal financial crisis, but relevant laws such as the Contract Law of the People's Republic of China can be used as a reference, and legal risks should be paid attention to when negotiating with creditors.