First of all, regarding the situation of Zhongan Xinye loans overdue for three years, the repayment can be negotiated. In the case that the borrower owes money, Zhongan Xinye is usually willing to negotiate the repayment plan with the borrower to solve the problem of overdue repayment.

Specifically, agreed repayment usually includes the following aspects:

First, borrowers need to take the initiative to get in touch with Zhongan Xinye, express their willingness to repay, and propose a repayment plan. The borrower can put forward a reasonable repayment installment plan according to his own economic situation.

Second, Zhongan Xinye will evaluate the borrower's repayment plan and provide suggestions during the negotiation. The borrower and Zhongan Xinye can discuss the most suitable repayment plan for both parties, ensure the borrower to repay on time, and minimize the increase of interest and late fees.

Third, the final result of the negotiated repayment plan needs to be accepted and signed by both parties. After the repayment agreement is formally signed, the borrower needs to make repayment according to the agreed repayment method and time to fulfill the repayment responsibility.

To sum up, Zhongan Xinye loans overdue can negotiate repayment within three years. The borrower should take the initiative to get in touch with Zhongan Xinye and put forward a reasonable repayment plan, and the two parties can reach a repayment agreement after full communication. Then the borrower fulfills the repayment obligation as agreed, and solves the problem of overdue repayment.

Extended data:

Zhongan Xinye is a loan company in China, which is committed to providing loan services for individuals and enterprises. They are usually willing to cooperate with borrowers to make reasonable repayment plans and help borrowers solve the problem of overdue repayment. In the process of repayment, it is very important to communicate with the loan company in time and solve the problem in advance.