1. Apply for negotiation: Call the bank's customer service hotline to find out the repayment details, such as repayment amount, principal, interest and other expenses. According to these contents, combined with the current repayment ability, apply to the bank to stop paying interest and negotiate the specific details. It is understood that cardholders can divide the arrears into 60 installments at most. Generally speaking, there is no need to negotiate for more than three accounting days. If it takes more than three months, it will be more difficult to negotiate.
2. Waiting for a return visit and submitting materials: After submitting the application, we need to wait for a return visit from the bank and submit materials according to the requirements of the bank. We can save time by preparing relevant certificates in advance according to our overdue reasons, such as unemployment and illness.
3. Waiting for the second return visit: After the approval, the bank will inform the application whether the repayment negotiation is successful. If the application is successful, you need to know the number of repayment periods, repayment amount, interest reduction and so on, and make records.
4. Signing scheme: The signing methods of stop-and-go accounts mainly include recording, electronic agreement or paper agreement. Generally, commercial banks are in the form of records, Ping An Bank generally adopts electronic protocols, and Industrial and Commercial Bank generally adopts paper protocols, but they are also very flexible, both online and offline. The specific situation also needs to consult the bank customer service.
Extended data:
1. What is a suspended account?
Stop payment refers to a way that the cardholder re-signs a personalized installment repayment agreement with the bank after the card is overdue, reorganizes and re-divides the fixed amount, temporary amount and reserve fund in the card every month and repays on time.
Stopping interest payment is equivalent to stopping interest payment and repaying the principal in installments. You can apply for five years at the longest.
2. What are the conditions for applying for suspension of payment?
Condition 1: the cardholder has the willingness to repay;
Condition 2: the cardholder has the ability to repay by installments;
Condition 3: the cardholder is overdue and cannot repay the arrears in one lump sum;
Condition 4: the cardholder wants to return to the normal living environment, stop the collection, and does not want to be executed;