What information do you need to apply for mortgage extension during the epidemic? What information do I need to prepare to apply for mortgage extension?
During the epidemic period, the following information is mainly needed for mortgage extension:
1 Lender ID card.
2 mortgage purchase contract.
Application for deferred repayment.
4 proof of unemployment or no income is enough.
Five personal credit reports.
Six bank deposit certificates.
There are mainly the above materials for applying for bank loan extension, and the materials may be different between different banks. You can call the customer service hotline of the loan bank to find out first, and then go to the bank to apply for loan extension. After the user submits the mortgage extension application, the bank will inspect the user according to the materials provided, and the mortgage can be extended after approval.
Although the mortgage can be extended, there is generally a maximum extension grace period, so users still need to repay on time, and different banks can apply for different extension repayment periods. In addition, when applying for deferred repayment, users are advised to apply a few days before the mortgage repayment date to avoid overdue repayment in the current month.
What information do you need to apply for mortgage extension during the epidemic? 2 During the epidemic, the mortgage cannot be reduced. Only medical personnel and government workers involved in epidemic prevention and control, as well as confirmed patients, suspected persons and their spouses. Then only overdue is not a breach of contract, and the repayment period is extended, but there is no relief.
You can't exempt the mortgage debt obligation because of the epidemic, but it is clear in the relevant policies that those who are involved in infected people, suspected cases, or engaged in epidemic prevention and control work can legally apply for deferred payment.
At the beginning of the outbreak of the COVID-19 epidemic, the central bank and other five departments jointly issued a document, requiring financial institutions to reasonably postpone the repayment arrangements of personal credit such as housing mortgage. The whole application only needs to be operated on the mobile phone, and the process can be completed in ten minutes. At present, the six major state-owned banks and large joint-stock banks can provide mortgage extension services to eligible customers.
There are four main types of people who can apply: ① those who are hospitalized or isolated due to infection in COVID-19; ② The prevention and control of epidemic situation needs to isolate observers; ③ personnel involved in epidemic prevention and control; (4) people who temporarily lost their income sources due to the epidemic.
For personal loan customers affected by the epidemic, we will provide personal loan deferred repayment service support. During the deferred repayment period, customers will not be included in the list of defaulting customers, and at the same time, the credit information of customers will be protected and customer service will be continuously strengthened. If necessary, mortgage customers can apply directly to the handling bank.
For customers who put forward demands such as delaying repayment time, reducing penalty interest and eliminating overdue credit records due to the epidemic, they can enjoy the personal housing loan customer care policy if they meet the relevant conditions. Customers can directly contact the loan handling bank or account manager to consult the relevant handling conditions and procedures. You can also call the customer service center of ABC, and the customer service staff will collect information and send it to the customer loan handling bank.
Banks will strictly implement the policies of the head office. First, for medical staff, government workers and those who have been isolated due to the epidemic, personal loans overdue during the epidemic period is not regarded as a breach of contract and is not included in the list of defaulting customers. After verification and confirmation by the branch, the credit information can be repaired according to the existing objection handling process;
Second, for those who are hospitalized or isolated due to the epidemic, those who need isolated observation due to epidemic prevention and control, those who participate in epidemic prevention and control, and those who temporarily lose their source of livelihood due to the epidemic, the repayment arrangement of personal loans can be adjusted and the repayment period can be postponed; The third is to provide personal housing loan prepayment function for mobile banking and online banking.
What information do you need to apply for mortgage extension during the epidemic? During the epidemic period, major banks have different regulations on the application for deferred repayment, which can be handled according to the following instructions:
? ICBC:
Because of the special circumstances of the epidemic, you can apply for an extension without affecting your credit record.
However, the customer service of extended time and other related businesses cannot be handled, and customers need to apply, review and verify at the mortgage misappropriation branch. Because they haven't officially gone to work, the customer service can register and report to the branch first, and then verify it after the loan business personnel officially go to work.
? Agricultural Bank:
The customer service of ABC replied that there is no need to apply, and related behaviors such as overdue epidemic will not be recorded as breach of contract, and there will be no penalty interest.
? China Construction Bank:
As long as the deduction is made on the last day of the month, it will not affect the credit history.
As for the mortgage extension application and other businesses, because the loan business has been handed over to the local loan department, the specific situation needs to consult the local credit department.
After consulting the local credit account manager, they said: the medical staff in the anti-epidemic front line can postpone the repayment and will confirm their identity with the customer system afterwards. As for those whose income is affected by the epidemic, they can also postpone repayment after providing relevant certificates for approval.
? Bank of China:
I know there are special information about the epidemic, but at present, the corresponding departments have not reported the corresponding policies to the customer service center, so they have not been implemented.
? Postal savings:
Credit protection will be provided for medical personnel, government workers, isolated people infected with novel coronavirus and those who have temporarily lost their sources of income due to the epidemic.
The customer service specifically explained that losing the source of income may refer to zero income, so it may not work if you have a basic salary.
? Huaxia Bank:
At present, the notice received is aimed at individual loan customers of Wuhan Branch. If it is staff, army officers and soldiers, government workers, patients and families affected by epidemic isolation, it can provide services such as extension, credit guarantee, interest rate concessions, and green channels.
The remaining cities have not received any notice about extending business hours.
? China CITIC Bank:
The customer service said that if the income is really affected by the epidemic, you can call 400 first and the bank will register first. After going to work, the branch can postpone repayment for one month. If the epidemic is still not over after one month, the lender may apply to the loan outlets for further deferred repayment.