First, the repayment order, credit is the most important.

The influence of credit reporting on everyone's daily life is self-evident, which will not only affect the application for mortgage and car loan in the future, but also scan code cycling and hotel rental in daily life.

Therefore, once there are signs of loans overdue, you can check whether the loan you owe is on the credit report on WeChat, and pay back the loan related to the credit report first through the data, prioritize, and then work hard to earn money and pay off the debt slowly.

Second, what can be postponed is postponed, not in stages.

In the face of loans overdue, the most taboo thing is to break the jar and break the fall, so we should take the initiative to get in touch with the arrears institution and see if we can stop, pay back the principal first, and make up the rest of the interest little by little.

If the lending institution does not agree, you can continue to negotiate and see if you can repay the money in installments, so that the pressure to repay the money at different time points will be less on average.

Third, take the initiative to confess with your family, long live understanding.

Exploding the address book is one of the killers of collection, so that relatives and friends around the debtor know that he is a person who owes money and does not pay it back. Many people will pay back the money because they can't stand other people's pointing fingers. After all, in life, face is still very important.

Therefore, it is suggested that you can take the initiative to confess with your family, so that they can be psychologically prepared and win their forgiveness. After all, when we encounter difficulties, the support of family members is the warmest strength.

Matters needing attention in loan.

Note that there is no need to pay a deposit. Formal lending institutions do not charge any fees before lending, and repay on schedule after entering the loan cycle. Be sure to choose formal lending institutions, especially online loans. Although it is called a small amount, it is also a loan. All loans, whether bank loans or private loans, need your repayment ability.

Reasonable choice of loan amount and term, the size of loan amount depends on personal financial needs. Under this premise, I need to consider my economic repayment ability to avoid excessive repayment amount and pressure.

Be sure to repay the loan on time. Today, with the increasing penetration of finance into people's lives, a good credit record will benefit people for life. At present, many banks have launched personal credit loans, relying only on credit without mortgage. This kind of timely and high-amount loan is very popular, but it requires high credit.