Can the piggy bank negotiate repayment?

First, after the individual sues and mediates the arrears, he can ask not to pay interest, but to repay the principal gradually.

Two, the loan relationship belongs to the civil legal relationship, and the dispute between the two parties belongs to the civil dispute. Civil disputes can be settled through consultation, and mediation after prosecution also belongs to consultation.

legal ground

Article 96 of the Civil Procedure Law stipulates that an agreement reached through mediation must be voluntary by both parties and not forced. The contents of the mediation agreement shall not violate the law.

Article 97 of the Civil Procedure Law stipulates that if an agreement is reached through mediation, the people's court shall make a conciliation statement. The conciliation statement shall specify the claim, the facts of the case and the result of conciliation. The conciliation statement shall be signed by the judge and the clerk, stamped with the seal of the people's court and served on both parties. The conciliation statement has legal effect after being signed by both parties.

Significance and conditions of negotiation

(1) Importance

The establishment of collective wage negotiation system is conducive to eliminating the arbitrariness of enterprise wage distribution, improving the democratic status of workers in enterprise wage decision-making, safeguarding the legitimate rights and interests of workers and promoting the harmony and stability of enterprise labor relations.

(2) Conditions

1. In the process of collective wage negotiation, the administrative department of labor and social security and trade union organizations should strengthen contact, do a good job of guidance, provide relevant information, policies and legal advice, and improve the ability of enterprises and employees to participate in collective bargaining.

2. The local labor and social security administrative department publishes the wage guidance price in the labor market once a year to provide reference for collective wage negotiation.

3. All localities can try it out in some enterprises with normal production and operation, solid management and sound trade union organization, and gradually promote it to all kinds of enterprises on the basis of summing up experience, with emphasis on promoting it in foreign-invested enterprises, private enterprises and other non-public enterprises.

The advantage of agreement repayment is that after consultation with financial institutions, financial institutions no longer charge users, and users can also repay in a planned way; As for the disadvantages, negotiated repayment usually occurs after the deadline. Even if the negotiation is successful, the overdue status cannot be changed, and the overdue record has been uploaded to the credit report.

Therefore, negotiated repayment can be regarded as a positive remedy, but overdue records can be deleted if negotiation fails. Overdue records also need to be deleted five years after the arrears are paid off.