Have been unemployed since May last year and have made an arrangement to pay with FNB home loans for over 5k whereas my bond is around R3700

Have been unemployed since May last year and have made an arrangement to pay with FNB home loans for over 5k whereas my bond is around R3700. Have not been able to keep up with payments hence the amount had risen to over R5000. I would like to ask if there is anyway I can pay less as I cannot afford the arrangement amount, however I still want to make payment arrangement for a lesser amount ( closer to the bond amount, as I am not working ). Have actively been looking for employment opportunities, as soon as I work again I will male up the outstanding balance