Legal basis: Article 92 of the Civil Procedure Law of People's Republic of China (PRC), if the judgment may be unenforceable or difficult to enforce due to the behavior of one party or other reasons, the people's court may make a ruling on property preservation upon the application of the other party; If the parties do not apply, the people's court may also order the adoption of property preservation measures when necessary. When the people's court takes property preservation measures, it may order the applicant to provide a guarantee; If the applicant fails to provide a guarantee, the application shall be rejected. After accepting the application, the people's court must make a ruling within 48 hours in case of emergency; Where property preservation measures are ordered, they shall be executed immediately. Suggestions: First, take the initiative to negotiate with the bank to explain the reasons for the difficulty in repayment; Once the borrower fails to repay the loan on time due to unemployment, illness or other unexpected reasons, before the deadline for repayment comes, it is best to take the initiative to call the bank, state his financial situation, declare that he is not in bad faith, and apply for deferred repayment and interest concessions. 2. Repaying part of the principal and interest owed indicates a good willingness to repay; Raise funds, repay part of the loan principal and interest, show a good willingness to repay, strive for the understanding of the bank, and agree to repay by installments. Under normal circumstances, no bad record will be formed; Third, sign the installment repayment plan; Pay the loan on time. Seeing the borrower's positive performance and previous good credit record, the bank will basically agree to repay the loan by installments, and negotiate with the borrower a repayment plan acceptable to both parties, such as extension period, interest discount, monthly repayment amount, etc. However, it should be noted that the repayment will be guaranteed in the future.