1. Find a platform for negotiation. Although the Home Credit platform currently does not have a clear negotiated repayment policy, judging from feedback from some users, there is still a chance of success after applying to the official customer service. Of course, this process is relatively long and requires repeated communication.

2. Prosecution in court. Since the new regulations now protect the annual interest rate of 4 times the latest one-year LPR, users on the Home Credit platform can refuse to pay back if the interest rate is too high or the charges are illegal. If the platform disagrees, users can sue in court.

3. Find other sources of repayment. If the user still needs to repay part of the loan, but cannot keep up with the repayment ability, he or she can try to find relatives and friends to repay the loan first, and then he or she can increase his or her income source to repay the loan. This is to avoid being collected by the platform due to overdue payments and reporting to credit bureaus. To borrow money from relatives and friends requires a good credit reputation and the ability to owe favors.

Extended answer:

1. Negotiable repayment needs to meet the following three conditions:

First: If the cardholder is willing to repay, for the Please do not refuse to answer the phone after the due date, actively negotiate with the bank and express your willingness to repay.

Second: If the cardholder has the ability to repay in installments, when applying, he must indicate that he has the ability to repay in installments, such as salary certificate, etc.

Third: The cardholder has overdue and has no ability to repay the card in one go, and there are reasonable reasons. Such as sudden illness, debt crisis, etc.

2. The country has introduced a new strategy. Debtholders with credit cards, Alipay, and Home Credit Puhui who are unable to repay can unconditionally apply for negotiated repayment! Home Credit, Ping An Puhui, Paipaidai and other online loans will refund the interest and repay the principal.

Most of the interest rates on private loans do not meet national standards. The overpayment can be applied to directly cover the remaining arrears. For example, a loan of RMB 50,000 was divided into 40 installments, and 30 installments have been repaid. You may have already repaid the principal and paid back a lot more. At this time, you can directly use the overpayment to fill the remaining 10 installments. If the interest is high, you will not even have to pay back the remaining installments.