1. First calculate the installment repayment period that you can bear, and take the initiative to contact Huaxia Bank to negotiate repayment.

Secondly, I told Huaxia Bank about my special situation, and I am willing to repay it, but I can't repay it all because of special circumstances.

3. Finally, Huaxia Bank agreed to negotiate personalized installment repayment, and the repayment period and amount can be determined.