You just have to get leaner period, there is no magic routine for that area
Yeah that's what I need, how do I do that.
Also the love handles is the bigger problem than lower belly fat.
Eat less or burn more calories, or a combo of the two. It usually takes a while, so eating less is more sustainable.
3500 less calories eaten each week than you burn = 1 pound of fat loss, or about 0.5kg
So 500 less each day or you can fast a few days and eat normal the rest of week. Or eat 1000 less on some days where you train more and eat at maintenance on other days.
Or whatever combination you like.
0.5kg a week is about a fair loss rate, where you can still get stronger and make gains.
You can go faster with a greater chance of muscle loss and tanking your metabolic rate if kept up for too long.