Legal analysis: You can apply for extension of the loan if it has not been repaid during the epidemic. Due to the hospitalization of patients with new pneumonia, financial institutions should appropriately tilt the credit policy and flexibly adjust personal credit repayment arrangements such as housing mortgage and credit card.

Legal Basis: Notice on Further Strengthening Financial Support for the Prevention and Control of novel coronavirus Epidemic Article 1 Financial institutions should appropriately tilt the credit policy, flexibly adjust the repayment arrangements of personal credit such as housing mortgage and credit card, and reasonably postpone the repayment period for those who are hospitalized or isolated due to new pneumonia, those who need to be isolated for observation due to the epidemic, those who participate in the prevention and control of the epidemic, and those who temporarily lose their sources of income due to the epidemic.