1, with a correct attitude, many people are very afraid of bank collection and bank prosecution. In fact, the purpose of the bank is to recover the arrears and will not easily sue anyone. Otherwise, there are too many overdue people in the country, and it is impossible for banks to sue one by one, which is time-consuming and laborious. Therefore, banks can negotiate, and blindly avoiding it will have a bad influence. The bank's collection phone must be answered.

2. avoid being fooled. Those who start to sue and collect money at home are likely to be called by outsourcing companies. Their collection efforts are far greater than those of banks, and they may take some illegal collection methods to scare you into repaying as soon as possible. In fact, they will not sue or come to the door at all.

3. In fact, it is basically impossible for banks to reduce interest through negotiation, because interest is the legal cost of loans, which is recorded in the loan contract from the beginning, which is the minimum, and the borrower must repay the principal. However, the borrower can properly negotiate the repayment period and liquidated damages, explain his economic situation, and show his willingness to repay. Finally, he can put forward specific repayment plans, such as delaying repayment and appropriately reducing the proportion of liquidated damages, and the bank may agree.

4. Appropriate repayment No matter whether it is overdue or not, you should keep the repayment amount every month, and hundreds of dollars are also money, which proves that you have the willingness to repay, so that the success rate of negotiation will be high.

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Interest is the use fee of money in a certain period of time, and it refers to the reward that money holders (creditors) get from borrowers (debtors) for lending money or monetary capital. Including deposit interest, loan interest and interest generated by various bonds. Under the capitalist system, the source of interest is the surplus value created by hired workers. The essence of interest is a special transformation form of surplus value and a part of profit.

The classification of bank interest can be divided into bank interest receivable and bank interest payable according to the nature of banking business. Interest receivable refers to the remuneration that the bank obtains from the borrower by lending to the borrower; It is the price that the borrower must pay for using the funds; This is also part of the bank's profits. Interest payable refers to the remuneration paid to depositors by banks to absorb their deposits; This is the price that banks must pay to absorb deposits, and it is also part of the bank's cost.