Legal analysis: Yes, the repayment of car loan can be postponed in case of epidemic, but the epidemic cannot exempt the payment of mortgage car loan. Those who meet the requirements can apply for an extension, and only those caused by the epidemic can apply for an extension. The relevant state departments clearly stipulate in the Notice on Further Strengthening Financial Support for the Prevention and Control of novel coronavirus. For people who are hospitalized or quarantined with new pneumonia, those who need to be quarantined for epidemic prevention and control, those who participate in epidemic prevention and control, and those who have temporarily lost their source of livelihood due to the epidemic, financial institutions are required to appropriately tilt their credit policies, flexibly adjust personal credit repayment arrangements such as housing mortgages and credit cards, and reasonably postpone the repayment period. If the repayment is overdue due to inconvenience during the epidemic, it will not be included in the credit record.

Legal basis: Notice on Further Strengthening Financial Support to Prevent and Control novel coronavirus.

Article 3 Differentiated preferential financial services shall be provided to regions, industries and enterprises greatly affected by the epidemic. Financial institutions should adjust regional financing policies, transfer pricing of internal funds, implement differentiated performance appraisal methods and other measures to enhance the financial supply capacity in areas with severe epidemics. For wholesale and retail, accommodation and catering, logistics and transportation, cultural tourism and other industries that are greatly affected by the epidemic, as well as enterprises that have development prospects but are temporarily difficult due to the epidemic, especially small and micro enterprises, they are not allowed to blindly lend, cut off loans or pressure loans. Enterprises seriously affected by the epidemic situation may extend or renew their loans if it is difficult to repay them at maturity. Support related enterprises to overcome the impact of epidemic disasters by appropriately reducing loan interest rates, increasing credit loans and medium and long-term loans. Government financing guarantee re-guarantee institutions at all levels should cancel the counter-guarantee requirements and reduce the cost of guarantee and re-guarantee. For financing guarantee re-guarantee institutions in areas with severe epidemic, the national financing guarantee fund will charge re-guarantee fees by half.

Article 4 Improve financial services in the social and people's livelihood areas affected by the epidemic. For those hospitalized or isolated people with new pneumonia, those who need isolated observers for epidemic prevention and control, those who have temporarily lost their livelihood due to the epidemic, financial institutions should appropriately tilt their credit policies, flexibly adjust personal credit repayment arrangements such as housing mortgage and credit card, and reasonably postpone the repayment period. Personal business guarantee loans infected with new pneumonia can be extended for one year and continue to enjoy financial discount support. Financial institutions should give priority to customers infected with new pneumonia or damaged by the epidemic, appropriately expand the scope of responsibility and make full compensation.