First of all, you can try to contact the lending institutions, learn more about the relevant repayment regulations, and make compromise suggestions on the repayment plan to reduce the burden. Then, we can try to increase the number of guarantors, improve the possibility of loans and strengthen the repayment record of loans. Secondly, we can do some financial planning to minimize mortgage loans or credit loans, so that repayment of loans will not affect wage income.
In addition, during the loan repayment period, you can avoid excessive consumption and try to avoid opening multiple credit cards, so as not to affect credit reporting. Finally, during the repayment period, timely feedback the income and expenditure situation, so that lending institutions can understand the situation and better understand the repayment ability.