1. No overdue application for deferred repayment.

Some borrowers have to delay paying back the money. For example, they have to pay back the money this month, but they won't have money until next month. You can take the initiative to contact the online lending platform to see if they can postpone the repayment. If you can, you can extend the repayment time for one or two months according to your own situation. Even if the repayment is not made in the current month, it will not be overdue.

Note: If the repayment can be postponed through negotiation, the online lending platform will also charge a corresponding handling fee according to the amount and duration of the extension, which will be included in the amount owed in the next period. The borrower should clearly remember the time of the next repayment, deposit the money to be repaid in advance into the repayment bank card and other systems for automatic deduction, or take the initiative to repay on the repayment date.

2. Overdue application for negotiated repayment.

The borrower is temporarily unable to repay, but the online lending platform cannot provide deferred repayment service. After the online loan is overdue, the borrower should take the initiative to contact the loan platform for consultation as soon as possible to see if part of the interest can be reduced or repaid in installments. There are three main points in negotiating repayment:

1) explain the reason why it cannot be repaid: if the borrower is temporarily unable to repay due to some force majeure factors, such as unemployment, illness, enterprise closure, etc. , can provide relevant information as evidence. The online lending platform will consider the borrower's situation as appropriate, and there will be opportunities for negotiation only if it is recognized by the online lending platform.

2) Show the attitude of active repayment: If the borrower borrows money before the online lending platform and repays it on time, he can take out the previous repayment records and provide his current income flow, salary card details, etc. Let the online lending platform see that he has the ability to repay, not intentionally overdue.

3) Make a repayment plan: The borrower first makes a reasonable repayment plan for himself according to the arrears and income, and then seeks the opinions of the online lending platform. As long as the online lending platform agrees to negotiate, even if the repayment plan is not accepted, both parties can re-negotiate and formulate.

Second, permanent inability to repay debts.

Although the borrower can never repay the loan, he still can't default. After all, it is natural to repay the debt, and the borrower can try to solve the debt in these two ways.

1. Sell assets under its name

Borrowers have cars, houses, certificates of deposit, etc. , and can be combined with the amount of arrears to determine the assets to be disposed of. For example, the car under his name is worth more than 100,000 yuan, and the debt is 70,000 to 80,000 yuan. It is more than enough to sell the car and still have some money in hand.

Note that if the borrower has assets or refuses to repay, once sued by the online lending platform, these assets will not be preserved, and the court will enforce the borrower's assets after the judgment. However, if the assets are insolvent, the borrower will never be able to repay them, and the online lending platform can only take away as much as it can, and the rest of the money can no longer be demanded from the borrower.

2. Find someone to help repay the loan

Under normal circumstances, online loan arrears will not involve family members. No matter who owes money, there is no reason to find his family to repay it together. However, the borrower's family can't bear to see that the borrower is always harassed by the collection, and may take the initiative to help the borrower pay off the debt. Or relatives and friends are willing to help borrowers repay their debts, and online lending platforms can also be seen.

After the borrower is repaid by his family, friends and relatives, don't put too much pressure on yourself to live a good life, and don't borrow online loans in the future, learn to open up sources and reduce expenses. Although I owe a favor for the time being, I can always pay it back later.