I. What should I do if I borrow money from a bank during the epidemic?
Take loans issued by banks as an example. Basically, major banks will give measures to extend the repayment period. Failure to repay credit card bills or loans on time during the epidemic period is not a breach of contract, and is not included in the overdue record of personal credit information.
For example, China Construction Bank said that the personal loans and credit card overdrafts of medical staff and government workers involved in epidemic prevention and control in China Construction Bank were overdue during the epidemic period, which was not regarded as a breach of contract and was not included in the list of customers who defaulted.
In addition, a branch of Industrial and Commercial Bank of China also said that medical staff, staff, confirmed patients and suspected persons and their spouses who participated in epidemic prevention and control failed to repay on time due to special circumstances, after verification and confirmation, they could not be counted as breach of contract, and their credit information would not be affected. Small and micro enterprises and individual industrial and commercial households that temporarily lose their sources of income due to the epidemic can adjust the repayment arrangements and reasonably postpone the repayment period.
Some regions/banks will also reduce the interest and late fees related to medical staff and other loan repayments affected by the epidemic.
Second, loans from other financial institutions, loans during the epidemic?
Many other financial institutions also have corresponding measures to deal with the situation that loans are still not available due to the epidemic.
Take microfinance as an example. If you can't repay the loan on time due to the epidemic, you can contact the micro-loan customer service to apply for a one-month extension, but there will be interest. After the next bill repayment, you can apply for credit reduction and cancellation.
If it is a user of instant consumer financial loans, if it is a customer who participates in epidemic areas in Hubei and non-Hubei, if the customer cannot repay due to the epidemic situation, the repayment can be postponed for 30 days according to the actual situation, and the penalty interest can be reduced or exempted to varying degrees.
Specific platform, you can consult your own customer service. Even if it can only be postponed for one month, it will reduce everyone's burden and be conducive to cash flow turnover.
Third, in addition to delaying the repayment of loans.
There will be professional senior insurers to bring free insurance science popularization and answer questions, and you can also receive the COVID-19 Security Fund with the insured amount of10.5 million for free.