Hello, since the outbreak of the COVID-19 epidemic in early 2020, Shanghai Branch of the Bank has issued related service policies such as deferred repayment during the epidemic period for personal housing loans and personal consumption loans, which have continued to this day. The scope of customers to which this policy applies mainly includes five categories:

1. Observers who need to be isolated due to hospitalization or isolation of infected people in COVID-19 and epidemic prevention and control;

2 staff involved in epidemic prevention and control, including medical personnel, military police, street community workers and government workers involved in epidemic prevention and control;

3. Customers who have temporarily lost their income sources due to the epidemic;

4. Small and micro business owners, individual industrial and commercial households and farmers in industries greatly affected by the epidemic;

5. Other types of customers who have difficulties in repayment due to objective reasons such as city closure, road closure and closed business outlets.

For the above personal loan customers, CCB Shanghai Branch mainly provides three kinds of adjustment services. First, the deferred repayment time is short, up to 28 days, and no collection will be made during the deferred period, which will not affect the credit investigation; Second, adjust the billing plan. According to the situation of customers affected by the epidemic, you can adjust the bill plan in stages, reduce the installment payment in the current period, and postpone the reduced part to the next month; The third is to extend the loan term, extend the overall loan term, postpone the maturity date and reduce the installment repayment amount. For customers who are affected by the epidemic and meet the conditions of deferred repayment, credit protection measures are also implemented, and a green channel for accepting credit information objections is opened to provide customers with a channel for quickly applying for objections, fully protecting their rights and interests.

In practice, some customers mistakenly believe that there is no need to repay the interest corresponding to the unpaid loan principal during the extension period if repayment is postponed. In this regard, CCB Shanghai Branch said that when accepting the customer's application, it will explain in detail that the deferred loan principal will be repaid in installments in the future repayment period, which may lead to an increase in interest after normal repayment, and show the customer a detailed repayment plan to avoid misunderstanding.

Application method for deferred repayment of CCB: If the mortgage cannot be repaid normally due to the epidemic situation, you can call the customer service phone number 95533 of CCB or contact the mortgage account manager to apply for deferred repayment service. Whether the application is successful or not is subject to the final audit result of CCB.