Can Xinxiangtong still apply for deferred repayment?

If your loans overdue is over, I suggest you raise money to repay it as soon as possible.

If you are temporarily unable to repay the full amount, I suggest you negotiate with the other party. You can refer to the following negotiation skills:

1. First of all, explain your current situation to the other party sincerely, and hope that the other party can give you deferred repayment or installment repayment;

2. Combine your current funds and your future income, and make a repayment plan for the other party, so that the other party can see your sincerity and agree with your plan with great probability;

3. Try to have a good talk with each other and ask them not to send you a collection message or make a collection call. This will affect your work, but it will affect your repayment schedule. Finally, I hope the other party will not sue you, which will be very troublesome in the future.