Under what circumstances can I apply for suspension of mortgage repayment? For people who have temporarily lost their sources of livelihood due to the epidemic, financial institutions should appropriately tilt their credit policies, flexibly adjust personal credit repayment arrangements such as housing mortgages and credit cards, and reasonably postpone the repayment period. Under what circumstances can I apply for suspension of mortgage repayment?

Under what circumstances can I apply for suspension of mortgage repayment 1? For four groups of people in COVID-19 who are hospitalized or isolated due to infection, need to isolate observers for epidemic prevention and control, participate in epidemic prevention and control, and temporarily lose their economic resources due to the impact of the epidemic, they can apply to the bank to which the loan belongs on the premise that the customer provides valid certification materials. After verification by the bank, they can apply four measures: bill plan change, extension, penalty interest reduction and credit protection according to different situations.

If you have a mortgage, but you have temporarily lost your source of income because of "external factors", how to apply for "suspension of mortgage and extension of mortgage"? To sum up, there are actually two ways to choose: one is to contact the staff of the mortgage bank, such as customer service, to understand the strategic deployment of the mortgage delay in the local city and provide various information according to the instructions; The second is to contact the loan manager of the mortgage outlet, who has senior business ability and policy awareness and can answer questions and assist in handling.

If you can't repay your mortgage because of an accident, you can refer to the following methods:

Extend the loan term: If the mortgage cannot be repaid on schedule according to the original repayment plan, you can apply to the bank for extending the loan term. After the approval of the bank, a deferred repayment agreement can be signed. Usually there is only one opportunity to apply for deferred repayment, and the extension period cannot exceed 30 years.

Apply for an extension of repayment: At present, many banks can apply for mortgage loans. When the borrower is unable to repay the loan, he can temporarily explain the situation to the bank and apply for deferred repayment. The extension time can be decided by the borrower, but there are long-term restrictions, and the extension can usually only be applied once or twice. If you really can't repay the mortgage, you can ask friends and relatives for help, temporarily solve the dilemma, and try not to default on the mortgage. If the supply is cut off for a long time, the house is likely to be auctioned.

If the property buyers can't repay the mortgage on time due to accidents, they can apply to the loan bank for loan extension 30 days in advance. After verification, the bank will appropriately extend the mortgage term and reduce the monthly payment. Finally, there is a way to sell a house. Find an intermediary company to advance the remaining loan (of course, the intermediary will charge a certain fee), and then entrust the intermediary to sell the house and earn a certain price difference.

Under what circumstances can I apply for suspension of mortgage repayment? Can mortgage repayment be delayed during the epidemic?

During the epidemic, if the repayment cannot be made on time due to the epidemic, the mortgage repayment can be delayed.

Legal provisions on delaying mortgage repayment during the epidemic period

Notice on Further Strengthening Financial Support to Prevent and Control novel coronavirus

Maintain a reasonable and sufficient liquidity and increase monetary and credit support.

Improve financial services in social and people's livelihood areas affected by the epidemic. For those hospitalized or isolated people with new pneumonia, those who need isolated observers for epidemic prevention and control, those who have temporarily lost their livelihood due to the epidemic, financial institutions should appropriately tilt their credit policies, flexibly adjust personal credit repayment arrangements such as housing mortgage and credit card, 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.

On May 12, Li Keqiang, Premier of the State Council of the People's Republic of China, People's Republic of China (PRC) presided over the the State Council executive meeting, at which it was mentioned that housing provident fund policy support should be given to enterprises and employees in current difficulties.

Before the end of this year, enterprises can apply for deferred payment, and employees' normal withdrawal of provident fund and application for provident fund loans will not be affected. It is estimated that the burden on enterprises will be reduced by more than 90 billion yuan.

If the employee fails to repay the provident fund loan normally, it is not overdue. All localities can reasonably increase the withdrawal amount of provident fund rental.

The meeting called for fiscal and monetary policies to give priority to employment and stabilize the economic market; Deploy to further revitalize existing assets, broaden social investment channels and expand effective investment; It is decided to waive the interest on the national student loan for college graduates with financial difficulties in stages and allow the repayment of the principal to be postponed.

The meeting pointed out that revitalizing existing assets such as infrastructure is conducive to broadening social investment channels, expanding effective investment and reducing government debt risks.

Under what circumstances can I apply for suspension of mortgage repayment? If you want to apply for suspension of mortgage repayment, you can first call the customer service hotline of the loan handling bank, switch to the manual service channel, apply to the customer service staff for delayed repayment, and then submit an application for delayed repayment of mortgage to the bank, explaining why you want to apply for delayed repayment.

For example, if you have no repayment ability at present, you should make it clear that you have no repayment ability, and then provide relevant information to prove it. For example, because unemployment has no repayment ability, you can provide proof of unemployment or an agreement to terminate the labor contract. After explaining the reasons for applying for delayed repayment, you can express your willingness to repay actively, and then put forward a future repayment plan.

Precautions for mortgage repayment extension:

1. If it is necessary to extend the loan repayment period, it is necessary to submit the Application for Extension of Individual Housing Loan and related certificates to the loan bank 20~30 working days in advance, and some banks stipulate the extension period once.

2. Personal housing loans refer to loans issued by banks to borrowers for purchasing ordinary housing for their own use. The borrower must provide a guarantee when applying for a personal housing loan.

Personal housing loan business is one of the main asset businesses of commercial banks. He refers to the loan issued by a commercial bank to the borrower for purchasing the first transaction housing (that is, housing developed and built by real estate developers or other qualified developers and sold to individuals).

Personal housing entrusted loan is the full name of personal housing guarantee entrusted loan, which refers to the personal housing loan issued by the housing fund management center entrusted by commercial banks with housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low; On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund.

However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses.

Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, personal housing secured loans.

Personal housing portfolio loan refers to a loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.