Legal analysis: If the mortgage loan cannot be repaid due to the epidemic, users can apply to the bank for deferred repayment. Most banks provide deferred repayment services during the epidemic. After the application for deferred repayment is successful, overdue records will not be uploaded in the credit information, but mortgage interest will still be generated during the unpaid period, so the user must repay the arrears in full on the agreed repayment date.

Legal basis: Article 4 of the Notice on Further Strengthening Financial Support for the Prevention and Control of novel coronavirus Epidemic has improved the financial services for the people's livelihood affected by the epidemic. For those who are hospitalized or isolated due to new pneumonia, those who need to be isolated for epidemic prevention and control, those who participate in epidemic prevention and control, and those who temporarily lose their income sources due to the epidemic, financial institutions will appropriately tilt their credit policies, flexibly adjust personal credit repayment arrangements such as housing mortgages and credit cards, and reasonably postpone the repayment period. Personal business guarantee loans infected with new pneumonia can be extended for one year and continue to enjoy financial discount support. Financial institutions should give priority to customers infected with new pneumonia or damaged by the epidemic, appropriately expand the scope of responsibility, and make full compensation.