In principle, banks are not allowed to reduce interest, but for their own interests, borrowers are sometimes reduced or exempted from certain interest. You can negotiate with the bank to reduce interest from the following aspects:

1. First of all, your attitude should be sincere. You need to take the initiative to contact the bank, and you can't just walk away and tell the bank why you can't repay on time.

2. Let the bank know that it really wants to repay the loan, but it is really unable to repay the loan because of difficulties. I hope to reduce interest expenses.

3. If the bank has recognized interest and late payment fees that exceed the standards prescribed by law, it can negotiate to reduce them, after all, they do not meet the national regulations.