However, some enterprises are not so lucky and are basically in a state of stagnation, especially small and micro enterprises in the fields of operation, tourism and catering, which rely heavily on cash flow and are relatively fragile. They have been closed for weeks and are on the verge of collapse.
Practitioners in these industries are also deeply affected. Drivers in many operating industries have income only by driving, and they have no income without driving, including passenger drivers and drip drivers. In addition, some township car owners themselves are small and micro business owners, mainly catering and other service industries, and their income sources depend on physical stores. They are also in a "stop shop" state.
More seriously, many operating drivers and township car owners are taking out car loans. The purpose of buying a car is mainly for business. Because cars are of great value, they are more inclined to borrow money to buy cars. Suddenly, there is no guarantee of income, and I have to face the situation that the car loan can't be paid. In fact, it is not just car loans, but also credit cards, bank loans and online loans. Life pressure is not small!
Mr. Wang, the driver of Beijing Didi, bought an Audi A6L with a loan in the second half of last year to run a Didi luxury car. The loan amounted to more than 200,000 yuan, which caught up with the epidemic in less than half a year. He will not drive for nearly a month before and after the Spring Festival. Now he is too anxious to sleep. He couldn't help worrying. The monthly car loan of nearly 10 thousand yuan makes him breathless.
Mr. Li of Taiyuan is a passenger driver. He started running sports cars in the first half of last year. At that time, he borrowed 200,000 yuan to buy a Yutong bus, and the monthly payment was in the early days of 1 10,000. Now the passenger line he runs has stopped at the request and has been idle at home for more than 20 days. Because he has no savings, the car loan seems to be cut off.
There are not a few car owners like Mr. Wang and Mr. Li who are struggling on the verge of overdue. In addition to car loans, there are car maintenance insurance premiums and parking fees. After this epidemic, many car owners really felt the pressure of car ownership, and many people even considered selling their cars after the epidemic ended, and they could not stand this kind of tossing any more.
Drivers and small business owners in villages and towns are complaining, hoping that lending institutions can suspend collection, delay repayment and reduce overdue penalty interest. This is more obvious on platforms such as gathering complaints. In order to apply for deferred repayment, in addition to the income impact, many people in the area adopt stricter epidemic prevention policies, such as closed management, which may also lead to their failure to repay on time.
It is not groundless for the owner to ask for a delay in repaying the car loan. On February 2nd, the People's Bank of China, the Ministry of Finance, the China Banking Regulatory Commission, the China Securities Regulatory Commission and the Foreign Exchange Bureau jointly issued the Notice on Further Strengthening Financial Support for the Prevention and Control of novel coronavirus Epidemic. The notice clearly stated: "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."
The editor learned that a number of licensed auto financing companies have introduced policy support such as extending the interest-free period and reducing some fees. The extension period is not a breach of contract, nor is it an overdue personal credit record. The editor made an inventory of the auto financing institutions that introduced the deferred repayment policy. The details are as follows (incomplete statistics):
1, SAIC-GM Finance?
Specific terms: SAIC-GM Finance also urgently launched special care service for retail customers who are temporarily unable to repay due to the epidemic, providing a maximum repayment grace period of 20 days. Customers who have difficulties in repayment due to the epidemic, including confirmed, suspected and isolated personnel, personnel involved in rescue and prevention, and customers who have temporarily lost their income sources, can apply for loan extension.
Car brands involved: Buick, Chevrolet, Cadillac, Baojun and Wuling Automobile.
2. Changan Automobile Finance Co., Ltd.
Specific provisions: for individual loan customers, for individual customers whose latest repayment date is 65438+1from October 23rd to February 23rd, the longest repayment delay support is provided 14 days. Successful repayment within 14 days from the repayment date will not be deducted, nor will it be overdue, and will not affect the customer's credit history. Customers with good performance records in the early stage and weak repayment ability due to the epidemic situation can submit an application for loan extension of no more than 12 months to the company, effectively alleviating the pressure of monthly payment. The company will study and respond to other financial needs from industry groups (patients, medical staff, Wuhan cooperative dealers, etc.). ) seriously affected by the epidemic.
Automobile brands involved: Changan Mazda, Changan Suzuki, Changan Car, Changan Ford, Changan ds, Changan Feiyue, Changan Auchan Automobile, Changan New Energy, Changan Light Vehicle and so on.
3. Dongfeng Nissan Automobile Finance Co., Ltd.
Specific provisions: when the repayment date is between 65438+2020129 and February 29, 2020, you can enjoy a grace period of 14 days, that is, from 65438+2020129, as long as the overdue days do not exceed129.
Automobile brands involved: Dongfeng Renault, Zhengzhou Nissan, Dongfeng Ying finidi, Dongfeng Qichen, Dongfeng Nissan (Teana, Sylphy, Bluebird, Tiida, Jinke, Qi Jun, Hacker, Xinloulan, Xintuda), etc.
4. Shenlong Auto Finance Company?
Specific provisions: for customers who are currently repaying normally, if they are overdue due to the epidemic, they will be given a grace period of 6 days. During this period, it will not be considered as a breach of contract or an overdue record of personal credit information.
Car brand involved: Dongfeng Citroen.
5. GAC Huili Automobile Finance Co., Ltd.
Specific provisions: retail customers can extend the grace period of overdue repayment of retail customers, and there is no specific extension time.
Automobile brands involved: GAC Chuanqi, GAC Honda, GAC Toyota, GAC Mitsubishi, GAC Fick, GAC Acura, GAC New Energy, etc.
6. BYD Auto Finance Company Limited
Specific terms: The company provides the borrower with the longest repayment grace period of 65,438+02 days from the repayment date of 2065,438+09,65,438+22 to February 2, 2020.
7. Fiat Chrysler Automobile Finance Company Limited
Specific provisions: If the repayment date of an individual is 65438+1October 23rd to 65438+February 5th, and the credit application place or ID card belongs to Hubei Province, a grace period of 18 days will be automatically granted ("18" is a natural day, counting from the original repayment date). If the individual completes the repayment within the grace period, the credit record will not be affected. ?
8. Extreme Auto Finance Limited
Specific provisions: Hubei customers who have delayed repayment due to epidemic control, if the repayment date is 65438+20201October 26-February 20, can send "deferred repayment" through the official account of Jizhi Auto Finance WeChat, and apply for extending the monthly payment to February 25 through the deferred repayment application portal. In line with the conditions, the penalty interest and the impact on credit information will be exempted. ?
9. Ford Motor Finance (China) Co., Ltd.
Specific provisions: the latest repayment date of individual consumers is between 20201October 20, 65438+ and February 20, 2020 1 1, and they only need to make a successful repayment before February 2020 15 (i.e. February 2020/kloc-0) Have difficulty in repayment. Can customers apply for deferred repayment service? .
10, Yulong Auto Finance (China) Co., Ltd.
Specific provisions: If the repayment date of your latest monthly payment is between 65438+2020123 October and 23 February 2020, you only need to successfully repay before 23 February 2020, and there will be no penalty interest, no overdue record and no impact on your credit history.
Car brands involved: Dongfeng Yulong and Southeast Auto.
In addition to the delayed repayment policy adopted by the above-mentioned auto financing institutions, a number of banks have also responded to the requirements of the Notice and launched delayed repayment services. People who are under great pressure to repay their car loans recently may wish to take the initiative to contact financial institutions and negotiate with them to apply for deferred repayment. It should be noted that most financial institutions that provide deferred repayment services require lenders to provide relevant proof materials of influencing factors, such as proof in Wuhan and other places, notice of local requirements for closed management, and so on.
If the application for extension fails to solve the problem, in order to prevent the credit information from being collected, the editor suggests that you take the following two measures to tide over the difficulties. First, the old debt should be repaid by borrowing to delay the repayment pressure; Second, actively find some part-time jobs to increase income sources.
The above-mentioned borrowing and repaying old debts seems extreme, but it is actually a temporary turnover plan. Borrow money by other means, temporarily pay off the car loan and mortgage that are about to expire, and then pay off the new arrears when the income returns to normal. However, the consumer finance industry is now under great pressure. In order to control the loan risk and bad debt rate, many consumer financial institutions have tightened the loan quota, and the application quota is already very good.
This article comes from car home, the author of the car manufacturer, and does not represent car home's position.