Customers can try to communicate with lending institutions to see if they can negotiate repayment, such as negotiating deferred repayment or reducing some interest. However, the lending institution may disagree with the customer's application for negotiation, subject to the notice of the lending institution.

When negotiating with lending institutions, customers can apply for deferred repayment as much as possible to avoid applying for interest relief. From the perspective of lending institutions, deferred repayment is more acceptable to them, and in the process of negotiation, customers can submit unemployment certificates, personal assets certificates and other materials, which can increase the success rate of negotiation repayment.

2. Find a third party to guarantee for yourself.

If the lending institution fails to agree to the customer's negotiated repayment application, the customer can try to find some third-party institutions or individuals with excellent qualifications to guarantee themselves. If the lending institution agrees, the customer may get some time to raise funds.

Because the guarantor will be jointly and severally liable for the debt, in order not to bring trouble to the guarantor, the customer should repay the loan as soon as possible after finding the guarantor, so as to avoid the overdue debt affecting the rights and interests of the guarantor.

3. Provide other collateral.

If the customer can't find a third party to guarantee himself, then the customer can provide other collateral to the lending institution to guarantee himself, such as providing vehicles, wealth management products or deposits. If the lending institution supports this operation, customers can also get some time to raise repayment funds.

However, this requires customers to have some valuable assets that are easy to realize. If these assets fail to pass the audit of the lending institution, customers should find ways to raise funds as soon as possible to avoid hurting themselves beyond the time limit.

Step 4 sell valuable assets

If customers have some assets with certain market value, they can try to realize these assets to obtain repayment funds, and then use these funds to repay the mortgage loan. But this has certain requirements for customers themselves, requiring them to have corresponding assets in their hands, so the scope of application may not be that big.

5. Borrow money from relatives and friends for repayment.

Customers can also borrow money from relatives and friends to repay overdue loans, which can avoid the further expansion of overdue influence and temporarily avoid overdue pressure. However, the borrowing customers of relatives and friends should also pay back as soon as possible, and they need to have optimistic expectations about their own economic situation, so as not to have a very serious impact on their credit because of overdue.

6. Find ways to increase income

If the amount owed by the customer is not particularly large, you can try to work part-time to increase your income. Customers don't have to earn all the bill amount, they can earn a part first, which can meet the requirements of minimum repayment amount or bill installment and strive for more repayment time for themselves.

Extended data:

The consequences of loans overdue are as follows:

1, loans overdue, the borrower will form a bad credit record, which will affect the borrower's future financial lending affairs and credit application.

2. The Borrower has paid overdue penalty interest and liquidated damages. The longer the overdue period, the more the borrower repays.

3. If the overdue period is long and the amount is large, the lending institution may bring a lawsuit to the court. After the court's decision, the borrower still fails to repay the loan, and the borrower will be included in the "list of untrustworthy executors" and will not be able to take high-speed trains or planes in the future.