ICBC customer service said that for a closed area like Jilin, if the mortgage cannot be repaid on time due to the epidemic, you can apply for an extension of withholding, but the specific extension time cannot be determined. "Because this is a temporary policy, this policy will often be cancelled when the closure is over." The customer service stressed that the credit information of the handler will not be affected during the deferred withholding period.
According to the customer service introduction of China Construction Bank, some areas can apply for deferred mortgage repayment due to the closure of the epidemic, and the longest period in Jilin Province is 28 days. The customer service told the reporter that since the outlets in the closed area are currently closed, the customer service can help the handling personnel to contact the manager of the loan handling bank to register first.
The customer service of China Bank said that Jilin Province can apply for deferred mortgage repayment at present, and there is no relevant policy in Shanghai for the time being. Customer service suggestion, please contact the loan handling bank first. "If there are relevant policies in the follow-up, we will have tips."
Relevant notice
As early as February 2020, the People's Bank of China and other five departments issued the Notice on Further Strengthening the Financial Support for the Prevention and Control of Infection in novel coronavirus (hereinafter referred to as the Notice).
The "Notice" clearly pointed out that financial institutions should appropriately tilt credit policies for newly hospitalized or isolated infected people, epidemic prevention and control observers who need to be isolated, those who participate in epidemic prevention and control, and those who temporarily lose their source of livelihood due to the epidemic, flexibly adjust personal credit repayment arrangements such as housing mortgages and credit cards, and reasonably postpone the repayment period.
However, for those who are hospitalized or isolated due to infection, need isolation due to epidemic prevention and control, and participate in epidemic prevention and control, if they fail to repay in time due to the impact of the epidemic, they can submit relevant overdue loans without overdue records, and the submitted loans can be adjusted. Individuals and enterprises that temporarily lose their sources of income due to the epidemic can submit credit records according to the adjusted repayment arrangements.
Refer to the above? Newspaper-the epidemic made it impossible to work. Can the mortgage be extended?