1. The borrower takes the initiative to contact the customer service of Haier Financial Loan, negotiate, strive for the repayment period, and pay off the money within the repayment period.

2. If the borrower is really unable to pay the arrears in a short period of time due to major accidents and special circumstances, negotiate the repayment plan with Haier Financial Loan, and provide personal certification materials to extend the repayment period and reduce the repayment amount.