近年来，随金融行业的飞速发展，越来越多的人开始接触信贷产品，超前消费享受高品质的生活，如果学控不好的话，很容易背上一身的债务。银行贷款必须按时还款，否则逾期的话只能想办法协商

In recent years, with the rapid development of the financial industry, more and more people begin to contact with credit products and enjoy a high-quality life by consuming ahead of time. If learning and controlling is not good, it is easy to carry a whole body of debt. The bank loan must be repaid on time, otherwise we can only negotiate if it is overdue

      银行贷款逾期怎么协商

How to negotiate the overdue bank loans

1保持联系

1 Keep in touch

有很多人在逾期后，会选择拒接电话来逃避催收，可是这种方法解决不了问题，希财君建议大家，在贷款逾期后，千万不要躲避银行的催收，让银行能够随时联系上大家，以免给后面的协商增加难度。

Many people will refuse to answer the phone to avoid collection after the loan is overdue, but this method cannot solve the problem. Xi Caijun suggested that everyone should not avoid the bank's collection after the loan is overdue, so that the bank can contact everyone at any time, so as not to add difficulty to the subsequent negotiation.

2、积极还款

2. Active repayment

如果是因为自身原因导致无法还款，一定要给出有力证据表达自己情况洁据，向银行催收人员说明自己当前实际情况，并且通过每月的还款记录表达自己强烈的还款意愿，最要的是适当还款，有钱的话尽量还一些，证明自己还在积极还款。

If the repayment cannot be made due to your own reasons, you must give strong evidence to express your own situation, explain your current actual situation to the bank collection staff, and express your strong willingness to repay through the monthly repayment records. The most important thing is to make appropriate repayment. If you have money, you should try to return some to prove that you are still actively repaying.

3、还款计划

3. Repayment plan

针对自己的情况，拟定出一份可行生较高的还款计划，凭借该计划以及当前的资产证明即可前往和银行协商。其实银行也怕用户彻底失联，而且也不会轻易走上法庭，还款计划可行的话，是有机会可以延迟还款的

In view of their own situation, we will draw up a repayment plan that is feasible and relatively high. With this plan and the current asset certificate, we can go to negotiate with the bank. In fact, the bank is afraid that the user will lose contact completely, and will not go to court easily. If the repayment plan is feasible, there is an opportunity to delay the repayment。好说好协商V：mlxc517

总而言之，虽然与银行协商并不能保证100%成功，可是也是一个机会，表达了自己积 极还款的决心，实在不行再想其他的办法，最笨的态度就是破罐子破摔，银行的欠款无法拖欠，以后买房买车办信用卡还是得靠银行。如果遇到不合理的情况可以向银保监会投诉，会有专人处理的。

ln a word, although negotiation with the bank does not guarantee 100% success, it is also an opportunity to express their determination to actively repay. They really can't think of any other way. The most stupid attitude is to break the jar, and the bank's arrears cannot be defaulted. In the future, it is still up to the bank to buy a house, a car, and a credit card. In case of any unreasonable situation, you can complain to the CBRC, and there will be a specially assigned person to handle it.