1. Communicate with customers: First of all, you can take the initiative to contact customers and ask them if they need help or have any doubts. Understand the specific situation and reasons of customers, so as to take corresponding measures.

2. Help: If customers encounter difficulties or have any doubts, you can provide necessary help and support, such as helping customers prepare loan documents and answering customers' questions.

3. Set a deadline: If the customer has not applied for a loan, you can set a deadline and send a reminder to the customer. This will make customers aware of the urgency of time and urge them to apply for loans as soon as possible.

4. Seek legal help: If the customer refuses to apply for a loan without reasonable explanation, you can consider seeking legal help. In some countries and regions, buyers must apply for loans within a specified time, otherwise they may face fines or other legal consequences.