In the event of repayment difficulties, how can we negotiate a deferral of repayments on the platform? This requires several steps:

How can you agree to postpone the payment

First of all, we have to do this in advance. You need to be in touch as soon as the payback comes, and when you're in trouble, you need to make it clear that you're in trouble。

Next, you need to explain clearly why you can't pay your bills on time, such as sudden illness or emergency family expenses。

There's certainly no evidence to explain that. As a borrower, you should provide some relevant evidence of the difficult repayments you are experiencing, for example, by providing medical reports or receipts for unforeseen expenses。

Following the explanation and presentation of the supporting documentation, and if you agree to the extension, you need to prepare a detailed repayment plan for your debt and to assure the voice that it will be repaid in accordance with your agreement。

However, one of the issues that needs to be noted by such pending borrowers is that if you borrow "swept" the overdue payments, it will affect your correspondence records. This is due to the fact that the cooperative financial institutions, which are mainly banks and consumer finance companies, have access to the People's Bank's system of credit. This means that as long as you apply for a successful loan here, your loan record will be uploaded into the letter of call. Once you have overdue payments, there will be late records left in the system, which will directly affect your personal correspondence。