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There is a lot of debt in credit card online loans, and the speed at which you pay it off and onshore depends on the reasonableness of all debt planning repayments. The more reasonable the repayment, the faster the repayment;Otherwise, it will be slower and slower, and even more and more. Therefore, after being in debt, the importance of making a repayment plan is self-evident, and the choice of the wrong effort is really in vain!
So, how do you plan your debts?First of all, you need to have a clear understanding of your ability to repay, which needs to take into account details such as your monthly income, expenses, debt amount, and other living expenses. You can list a detailed financial ** to make it easier to see your real financial situation more clearly and intuitively.
Nowadays, the convenience of the Internet era is too wide, and many people do not have a deep perception of finance. If you take 1,000 yuan in cash and squander it offline, you may feel very painful, but if you pay 1,000 yuan on your mobile phone, you will not feel pain. The same is true for many people who can't save money, spending money like running water, and there is no concept of money.
When you get used to bookke Xi eping, everything gets better. Although not all the cash is spent, you can intuitively summarize the next month's bill every month, and look through the time you should spend it to see what you should pay attention to next month. So bookkeeping is a good Xi, and I recommend everyone to develop this good Xi.
The next thing you need to do is to understand the policies of the major banking platforms. Look at what the creditor's requirements are, according to the type of debt, the amount of debt, the repayment period and other factors to examine their ability to repay, each institution's policies are different, knowing oneself and knowing the other can have a clearer understanding of the creditor's debt requirements.
Once you've learned about it, it's time to create a detailed repayment plan. There are several main things you need to consider throughout the process of making a repayment plan: repayment amount, repayment period, repayment interest rate, etc. The purpose of determining the repayment amount is to make sure that you are able to make sure that you are able to make sure that you are paying on time.
The size of this amount needs to be determined according to your financial ability to repay, and you should repay as much as possible so that you can reduce your debt faster. The same is true for the repayment period, according to the requirements of the creditor and your ability to repay, the longer the term, the less the monthly repayment, and if you can, shorten the repayment period as much as possible, so that the landing will be faster.
There is no standard value for repayment rates. You need to try to get a lower interest rate as much as possible to reduce the burden of repayment. Not all platform policies have interest, only a small number of platforms will, or that sentence, you need to have a certain understanding of the policies of major platforms.
During the negotiation process, you need to be patient enough to provide a real financial situation. You can communicate and negotiate with the creditor many times, and try to reach a mutually acceptable repayment plan with the creditor as much as possible, and the feasibility and reasonableness of the repayment plan are communicated again and again, and it is not achieved overnight. Do you get it all?
What other troubles did you encounter on the way to debt?For more debt questions, we are also welcome to communicate with each other and answer all questions!I'm Xiaoqi, helping 10,000 people in debt to go ashore quickly, if the content is helpful to you, remember to follow, collect, **Thank you for your trust and support!