1. 1. To apply for negotiation, call the bank customer service to find out the detailed list, repayment amount, principal, interest and other expenses that need to be repaid at present. According to these contents, combined with your repayment ability, you can apply to the bank to stop payment and negotiate the specific details. You can apply for repayment in 60 installments at the longest, and apply for repayment within 3 months after the bill is overdue. It is relatively difficult to negotiate for more than three months.

2. After submitting the application for suspension of installment, you need to wait for a return visit from the bank and prepare materials according to the requirements of the bank. According to overdue reasons, such as unemployment and illness, relevant certificates can be prepared in advance to save time.

3. After reviewing the materials, the bank will inform whether the negotiation repayment application is successful. If successful, it is necessary to record the repayment period, repayment amount, interest relief, etc. in detail. It's best to make a recording.

4. Finally, the scheme agreement should be signed. The main ways to sign the payment stop agreement are recording, electronic agreement or paper agreement. Commercial banks record telephone calls, and some banks often use electronic protocols, but they are also flexible, both online and offline. The specific situation needs to be carried out according to the requirements of banks.