It is natural to pay back debts. Almost everyone understands this truth, but in reality, we will inevitably encounter special circumstances that lead to the inability to repay the loan. At this time, it is very difficult to adhere to the principle, so many people will think, if only they could postpone the repayment. So, how to apply for deferred repayment of the loan? Teach you how to apply for a bank.

Under normal circumstances, loans can be applied for deferred repayment. Specifically, you can look at the contract signed at the time of loan. Basically, this situation will be detailed in the contract. You can also actively communicate with the bank and explain the situation.

If you want to postpone repayment, you must first meet the following conditions:

(1) If the loan is extended, the mortgagor, guarantor and pledger shall jointly issue a written certificate, and if there is an agreement, it shall be implemented according to the agreement;

(2) The loan extension period shall not be lower than the original loan conditions. No matter 1 year, 5 years or more, the loan cannot exceed the original loan term.

(3) The lender's application for extension must be true, and there must be no malicious non-repayment.

So how do you apply for loan deferred repayment? How to apply to the bank?

(1) Apply to the loan bank for extension 30 working days in advance;

(2) If you are able to pay the interest on the normal loan, it is recommended to apply to the lender for loan extension first;

(3) explain the willingness to repay, the fact that the loan has not been repaid for the time being and the future repayment plan;

(4) During the grace period, renegotiate the repayment amount and repay on schedule.

I suggest that when you apply for a loan business, you should have an accurate understanding of your repayment ability to avoid the situation that you can't repay. However, when you apply for a loan, you must apply as soon as possible to avoid overdue and affect your credit history.