First, take the initiative to contact the installment manual customer service and negotiate repayment. If the next manual customer service agrees to negotiate repayment, the user can apply for deferred repayment, or repay part of the principal first and then postpone repayment. The specific negotiation details will be determined by users and manual customer service in the next issue.

Second, explain the situation to parents, seek their help, and return the arrears with their help.

Third, borrow money from relatives and friends to repay the debts in installments in the future, and then work hard to use the income from work to repay the debts of relatives and friends.

4. Sell the property under your own name, and the proceeds from the sale will be used to repay the arrears in installments in the future.

If physical conditions permit, you can increase your workload and get extra income through part-time or overtime. If the company allows advance payment of wages, you can try to repay the arrears by advance payment to your boss.

Under normal circumstances, if you really can't repay the arrears, you will be allowed to negotiate installment repayment. After users negotiate repayment, they should increase their income during the extension period to avoid being unable to repay the arrears on the agreed date.

According to the provisions of Article 108 of the General Principles of Civil Law of People's Republic of China (PRC), the debts shall be paid off. If it cannot be repaid temporarily, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court.

Where to negotiate for installment repayment?

1. Negotiate repayment in installments, call the customer service hotline and directly contact customer service to apply for negotiated repayment. After the user submits the negotiated repayment application, the user will be audited in future installments, and the repayment amount and time will be agreed after the approval. If the approval fails, the user will fail in this negotiation. Different users have different credit qualifications, so the negotiation results are different.

2. After successful negotiation, users need to repay according to the negotiation agreement, and the negotiation repayment period will be overdue, which may lead to the cancellation of the negotiation repayment agreement by stages.

Extended data

First, you can't borrow it after installment repayment.

1 overdue

Although some friends will pay off their debts in installments in the future, they are overdue. Therefore, these friends will encounter the situation that they can't borrow money after installment repayment. Such a friend can only wait a while before trying.

2. The sesame score decreased.

In the next issue, the borrower's sesame score is required to be above 600 points. If everyone's sesame score is below 600, then you can only repay the loan in installments.

3. Control the loan amount

I found that my credit line has increased, but I can't borrow money. In this case, it is likely that the loan amount will be controlled in stages. In the future, when you apply for a loan, you can apply as soon as possible.

Secondly, the reasons why this line cannot be borrowed in future installments are as follows:

1 system update

I have never learned from the customer service in installments that there is a line that cannot be borrowed in future installments, which may be because the system is being updated in future installments. When the system is updated, you can apply. Generally, it doesn't take long to wait.

2. Lack of personal credit

The installment amount is based on the borrower's previous credit, which may be inconsistent with the current credit status. If everyone's current credit situation drops sharply, there may be a loan amount in the future installment.

3. Personal data is invalid

After receiving the loan application, the installment payment will be reviewed before lending. If everyone's ID card has expired, the mobile phone number has been cancelled or the bank card has been frozen, then it will be impossible to borrow the line.

4. Insufficient quota

In rare cases, the next loan amount has been applied for. At this point, everyone will encounter the situation that there is a quota that cannot be borrowed in the next period. This situation is relatively easy to solve, so you can wait 1-2 days before applying.

How to negotiate repayment of principal by installments?

The installment repayment can be negotiated, but it is best to contact the borrower to negotiate the installment repayment before the deadline. As long as the borrower can give a convincing reason, the probability of successful negotiation repayment is still relatively large, but the reply of installment repayment is subject to the actual result. After the installment was overdue, I wanted to negotiate repayment due to the great pressure of repaying the principal and interest, but I was basically rejected.

Loan means that banks, credit cooperatives and other institutions lend funds to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of expanding social reproduction and promoting economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Lender refers to a person who provides loans to borrowers with credit funds or self-owned funds in loan activities or financial institutions.

Lenders are obliged to provide loans; If the lender fails to provide the loan according to the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses. Lenders have the right to inspect and supervise the use of loans. If the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract. Lenders are obliged not to deduct interest from the principal in advance.

The lender's right to know means that the lender has the right to ask the borrower to provide information related to the loan. Its subject is the lender, usually the bank, and its object is the borrower (sometimes including the guarantor). Its object is the behavior of the borrower to provide information related to the loan, and its content is the lender's right to ask the borrower to provide information related to the loan.

The borrower's information that the lender has the right to know mainly includes two types: one is the borrower's past credit standing, debt situation, business ability and development prospect before the signing of the loan contract; The other is the information about the purpose of the loan, the borrower's assets and liabilities, repayment ability and so on after the loan is destroyed.