loans overdue means that the borrower fails to repay the loan on time according to the agreed period and amount. loans overdue will bring a lot of inconvenience to the borrower, such as lowering the credit score and collecting late fees. Therefore, the borrower should take measures to solve the loans overdue problem as soon as possible. This article will introduce how to negotiate repayment reasonably to solve the loans overdue problem.

1. Apply for repayment to the lending institution

First of all, the borrower should apply for repayment to the lending institution and explain his repayment ability and willingness. Lending institutions will formulate reasonable repayment plans according to the borrower's repayment ability and willingness to repay, so as to meet the borrower's repayment needs.

2. Apply for an extension of repayment to the lending institution

If the borrower's repayment ability is limited, he can apply to the lending institution for an extension of repayment. According to the actual situation of the borrower, the lending institution will agree to postpone the repayment and make a reasonable repayment plan to meet the repayment needs of the borrower.

3. Apply to the lending institution for repayment reduction

If the borrower's repayment ability is limited, he can apply to the lending institution for repayment reduction and partial repayment reduction. According to the actual situation of the borrower, the lending institution will agree to reduce part of the repayment amount and formulate a reasonable repayment plan to meet the repayment needs of the borrower.

4. Apply for installment repayment to the lending institution

If the borrower's repayment ability is limited, he can apply to the lending institution for installment repayment. According to the actual situation of the borrower, the lending institution will agree to repay by installments and make a reasonable repayment plan to meet the repayment needs of the borrower.

5. Apply to the lending institution for loan restructuring

If the borrower has limited repayment ability, he can apply to the lending institution for loan restructuring. The lending institution will agree to restructure the loan according to the actual situation of the borrower and make a reasonable repayment plan to meet the repayment needs of the borrower.

6. Apply to the lending institution for creditor's rights transfer

If the borrower's repayment ability is limited, he can apply to the lending institution for creditor's rights transfer and apply to transfer the loan creditor's rights to a third party. Lending institutions will agree to the transfer of creditor's rights according to the borrower's actual situation, and make a reasonable repayment plan to meet the borrower's repayment needs.

II. Conclusion

The above is an introduction about how to negotiate repayment reasonably in loans overdue. Borrowers can apply for repayment, extension of repayment, repayment reduction, installment repayment, loan restructuring and creditor's rights transfer to the lending institutions according to their own actual conditions to meet their repayment needs. However, borrowers should also pay attention to abide by relevant laws and regulations when applying for repayment, so as not to bring unnecessary trouble to themselves.