Without a job, there is no income, and there is no way to repay the loan. So what policy will the country have? Will the collection continue to be urged, and will it continue to come to the door?
According to everyone's doubts during this time, I have compiled a question and answer about the epidemic. Come and see if there is anything you care about!
First, during the epidemic, will people who collect money still come to the door?
To tell the truth, the whole country should be in a period of vigorous control, especially Hubei.
If you want to go out, you need to go through five customs and kill six generals, not to mention foreigners. Some communities even directly prohibit outsiders from entering and leaving.
So the possibility of collecting at this time can be big or small.
Not to mention, even if there is no epidemic, the collection will rarely come to the door, and the cost of manpower and material resources required for going to the door is too high, unless you live in a city or other nearby places.
From the collector's point of view, returning to work at this time is also a helpless move, and it is still isolated everywhere. For their own safety, who would risk going home to collect it?
2. Can I apply for a loan extension if I can't work during the epidemic? Will overdue credit be delayed?
Answer the latter question first, about whether the credit will be reported during the epidemic? For the specific answer about who can't receive the credit information temporarily, please refer to an article entitled "During the epidemic: These four types of people are not included in the credit information due to overdue repayment", which has a detailed description.
Let's talk about the first half again. Regarding the national policy on loans, I have found out the preferences of individual banks for you:
For example, Zheshang Bank cancelled the resumption time in Hubei/Zhejiang/Jiangsu/Shanghai, and launched differentiated credit card deferred repayment service for individual customers, with a maximum extension of 30 days.
For those who temporarily lost their sources of income due to the epidemic, the Agricultural Bank of China also introduced a credit card repayment delay policy, but did not explicitly announce the deadline. ...
In addition, some time ago, major banks were not included in the list of default customers for epidemic protection personnel, confirmed personnel and their families, even if the repayment was overdue during the epidemic.
It can be seen that in order to cope with the epidemic, major banks have successively introduced preferential measures for customers, so we don't have to worry too much. Doing your job well and protecting yourself is the most important thing at present.
Can I still apply for a loan now? Will there be a discount on the loan?
At present, we haven't seen the news of the decline in personal loan interest rate, but we have issued relevant notices, and the interest rate may be appropriately lowered for loan applications of small and micro enterprises.
Another, during the epidemic, if there is demand, you can still apply for loans, but the lending institutions will not relax their examination because of the special circumstances of the epidemic.
If the personal qualifications are not enough, it is still difficult to pay successfully.
So I suggest you know your debt situation before applying for a loan. How about credit reporting? Don't apply blindly, so big data will be spent, and it will only be more difficult to apply for loans in the future.