How to negotiate repayment of overdue bank credit (how to negotiate overdue loan)

1. How to negotiate for repayment of overdue bank credit

First, take the initiative to call the bank and explain to customer service the reason for your overdue payment, and then apply for negotiated repayment. payment. If the customer service rejects the user's application for negotiated repayment, the user must pay off the overdue balance as soon as possible. After the customer service accepts the user's application, the user will usually be asked to upload relevant supporting materials for review. The more materials that can be submitted, the more conducive to the success of the negotiation.

After the user submits the application for negotiated repayment, the reason why it is necessary to upload supporting materials is because the bank cannot judge the specific situation through the user's oral content. With the supporting materials, it can explain the actual situation described by the user. whether the situation is true. The user does have the bank loan overdue due to special reasons, and then submits supporting documents, and the two parties can usually successfully negotiate.

Negotiating repayment usually involves extending the repayment period, and at the same time, the bank will grant a certain amount of interest relief, which can reduce the user's repayment pressure and allow the user to pay off overdue debts as soon as possible. Users can apply to the bank for deferred repayment or installment repayment, and the specific results are subject to negotiation. After the negotiation is successful, the results of the negotiation need to be implemented.

2. What are the consequences of overdue credit being restricted and high consumption?

After being restricted from high consumption, the following consumption behaviors are not allowed:

(1) Taking transportation When traveling, choose second-class or above cabins on airplanes, trains, or ships;

(2) Make high-end purchases in star-rated hotels, hotels, golf courses and other places;

(3) Purchase real estate or newly build, expand or high-end decorated houses;

(4) Leasing high-end office buildings, hotels, apartments and other places to work;

(5) Purchase vehicles that are not necessary for business;

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(6) Traveling and vacationing;

(7) Children attending high-fee private schools;

(8) Paying high premiums to purchase insurance and financial products;

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(9) Taking all seats on the G-prefixed EMU train, first-class or higher seats on other EMU trains, and other consumption behaviors that are not necessary for life and work.

After the credit is overdue, the lender can negotiate repayment with the bank in time. That is to say, after the credit is overdue, you need to communicate with the bank in time to express your willingness to repay, and then apply to the bank for negotiated repayment, for example If you apply for an extension or installment repayment, but whether the bank will grant it depends on the actual situation, credit is likely to be restricted for high consumption after overdue.