Hello, I'm glad to answer your question. According to your description, it is probably because your overdue amount is relatively large and the overdue time is relatively long. The bank needs to see that you have the sincerity to repay, and you need to pay part of it before it can negotiate the second phase or postpone the repayment for you. It's to prevent you from overdue again after consulting with you. If 25% of the total amount is difficult, you can negotiate with the bank to lower it.