1. Negotiate with the bank: If you can't repay the loan on time due to illness, you can negotiate with the bank and ask for postponement of repayment or adjustment of repayment plan. If you can provide relevant medical certificates and medical records, the bank may consider your situation and give you a certain grace period.

2. Seek help: If your illness causes financial difficulties, you can seek the help of your family, relatives and friends or charitable organizations to relieve the financial pressure and pay off the mortgage as soon as possible.

3. Apply for relief: If your illness is a major illness, you can apply to the bank for relief of some interest or penalty interest to reduce the repayment burden.

4. Improve your credit record: If your credit record has been affected, you can gradually improve your credit record and improve your credit rating through timely repayment and active communication.