According to the query on CaiLai.com, the method for applying for a repayment suspension is as follows:

1. Contact the borrowing institution: The user needs to contact the user's borrowing institution, such as a bank, credit card company or other financial institution mechanism. Users can call the borrowing institution's customer service hotline or find relevant communication channels through online banking or mobile applications.

2. Understand the policies and requirements: Consult the borrowing institution about the policies and requirements for suspending repayment. Different lending institutions may have different regulations, including the maximum period of suspended repayment, calculation of interest during the suspended period, whether relevant fees need to be paid, etc. Make sure users clearly understand the borrowing institution’s requirements and conditions.

3. Submit application: According to the requirements of the borrowing institution, submit forms, documents or other relevant information for application for suspension of repayment. These application materials may need to include the user's personal information, loan account number, reason for applying for repayment suspension and expected suspension period, etc.;

4. Waiting for approval: Once the user submits the application, the user needs to wait for the borrowing institution review and approval. The lending institution will decide whether to agree to the user's request for a repayment suspension based on the user's policy and judgment;

5. Comply with relevant agreements: If the user's application for a repayment suspension is approved, ensure that the user abides by the requirements given by the lending institution Conditions and agreements for suspension of repayment. This may include not accruing new interest during the suspension period, or contacting the borrowing institution again according to the specified time to confirm the resumption of repayments.