It is already a controllable period, and the repayment of the loan can be negotiated. For example, my IOU is the last repayment date on the 13th, but due to the impact of the epidemic, the salary payment is delayed. Then At this time, I went to the customer service to explain the situation on the night of the 12th. The customer service said that I could postpone the payment by one payment and repay it next month. Even if the repayment date passed on the white note interface, it would still show that it was overdue, but the customer service clearly stated that it would not be used for credit reporting. Collection and asked me to turn off automatic repayment.

What you need to prepare are: ID card, proof of delayed salary payment or unemployment, and handwritten proof of application for extension. Just wait for a call from customer service (overdue calls without money can be ignored)

My car loan on the 4th of every month is 4522, and my online loan is 4362. I also have a mess of credit cards, and I have to repay more than 10,000 yuan in one month. I work alone and have no income and expenses. It’s reversed in one month. In the past, I had no choice but to repay the minimum amount in installments. I hope the epidemic will be over soon, otherwise we will become poorer

The 2020 epidemic has made everyone reflect: When you are unable to work for 3 to 6 months, you How long can I last [face covering]

I also have a mortgage, a credit card to repay, and rent to pay. To be honest, the 10 days from the 28th to the 8th of the new year have been okay. All kinds of expenses came in from the beginning. I can only find a way to get the mortgage together (fortunately, I have a side job and I can earn about 200 a day at home). I discussed the rent with the landlord and said that I can only pay it late, but I can’t skip it and pay it next month. Okay [tears]

I basically go out (to buy groceries) once every three days in Guangzhou, and today is February 18th. I hope this epidemic will get better soon, otherwise the pressure of life will still get worse

China Come on, come on Wuhan

In the past two days, many companies have started operations one after another. Brother Dacai has joined the army of returning to work since last week. The company has adopted the form of working from home, so everyone must take epidemic prevention measures at home. Fortunately, my mother prepared enough food for me when I returned. Although the impact of the epidemic has not completely subsided, some companies have reached the point where they have to resume operations. Recently, some netizens joked: "At first, the start of work was only postponed to February 3. Later, I received a notification that the start of work would be started on February 10. Then it was postponed to after February 14. If it was still delayed, I probably wouldn't have to resume work. "When I was working, I always thought that if I didn't go to work one day, I would go home and watch TV, crack melon seeds, and chat with my family. This year is a rare opportunity. Many people are afraid to go out at home. They can watch TV, eat melon seeds and chat with their families every day. I felt fine in the first few days, but as time went by I realized that such days were not as interesting as I imagined. What's even worse is that even though construction has not started, the mortgage and credit card payments still have to be repaid. Due to the impact of the pneumonia epidemic, many people are unable to go to work, and their economic income has been affected to varying degrees. Some people will be unable to repay bank credit. What should I do if I have no money to repay the loan?

In response to this problem, the country has also issued relevant policies, which can appropriately defer repayment for those in need. In other words, as long as you meet the conditions, your mortgage and credit card can be postponed. So what are the requirements for deferred repayment? The China Banking and Insurance Regulatory Commission issued a "Notice" stating that: For people who have temporarily lost their source of income due to the epidemic, credit policies must be appropriately tilted, and personal credit repayment arrangements such as housing mortgages and credit cards must be flexibly adjusted and the repayment deadlines reasonably extended.

It is clarified that these four categories of people can have reasonable mortgage deferrals:

First, the infected people.

Second, epidemic prevention and control requires the isolation and observation of personnel.

The third is personnel participating in epidemic prevention and control work.

The fourth is people who have temporarily lost their source of income due to the epidemic.

At the same time, many banks have stated that if repayments are overdue due to the impact of the epidemic, the banks will not be regarded as a default and will not be included in the credit report. Therefore, if our income is affected by the epidemic, we can apply for an extension from the bank. In fact, if it is overdue, it will not be recorded in the credit report as long as it is affected by the epidemic. Now that the whole country is fighting against the epidemic, this move by the country is still very heart-warming for housing slaves. I really hope that this epidemic will pass soon.

Under the epidemic, it is difficult for companies to survive. Now many netizens are waiting for the notice to resume work, but what some people are waiting for is the notice of layoffs. After Xibei expressed operating difficulties, Wang Sicong once spent 2.4 million yuan in the Beijing K-Song King in one night. It became the first company to fall in the cold winter of this epidemic, and two thousand employees lost their jobs overnight.

It must be said that this epidemic has a great impact on all walks of life, but the impact on the entertainment, catering, and tourism industries is undoubtedly huge. Recently, some theaters have been forced to sell at discounts Snacks and drinks were stocked to the point. Under the influence of the epidemic, all walks of life have been affected, especially those offline, and stock-type funds in the investment market have also experienced greater fluctuations. However, online education has become really popular during the recent epidemic. Many schools have postponed the start of school and suspended classes. The stocks of related companies have even increased by nearly 40%. After this epidemic, online education is expected to become more and more popular.

The market is not stable this year in the Year of Gengzi, and it is difficult to see a bull market like the one in 2019. It is recommended that everyone travel with light positions and control risks. Finally, I would like to share with you my next experience. When I returned to Changsha for work recently, the community was sealed off. I had to issue a health certificate from my hometown neighborhood committee before I could enter. I also had to have my temperature taken and disinfected. Now is a critical period in the fight against the epidemic. Everyone must take protective measures at home and on the way to work. Wear a mask when going out and have extra food at home. Masks are in short supply now, and it’s hard to find one. If you don’t have a mask, don’t go out. If you don’t have many masks, don’t go out! However, financial friends who do not have enough masks at home do not need to panic too much. On February 11, relevant departments stipulated that enterprises must be equipped with disinfectants, temperature guns and other supplies, and distribute masks and other protective equipment to employees. There is no need for everyone to hoard a large number of masks, because as the resumption of work and production progresses, the production of masks should gradually increase, and masks have a shelf life. If you hoard so many masks, they will be useless and wasted after the shelf life.

Due to the new coronavirus, many people can only stay at home and rest, so they have no source of income and their loans cannot be repaid. Fortunately, now we don’t have to worry. The country has made regulations. On January 27, the China Banking and Insurance Regulatory Commission issued the "Notice on Strengthening the Cooperation of the Banking and Insurance Industry Financial Services in the Prevention and Control of the Pneumonia Epidemic of New Coronavirus Infection", requiring the banking and insurance industries to implement epidemic prevention and control measures. control requirements and strengthen financial services.

It is worth noting that for people who have temporarily lost their source of income due to the epidemic, the "Notice" clearly proposes to give appropriate tilts in credit policies and flexibly adjust personal credit repayment arrangements such as housing mortgages and credit cards. Reasonably postpone the repayment period. This means that we don’t have to worry too much if we are unable to repay bank credit cards or mortgages due to the epidemic. As the country works together to defeat the virus, banks everywhere will defer loan repayments in accordance with the regulations of the China Banking Regulatory Commission. Otherwise, financial institutions will be punished.

Therefore, we don’t have to worry about not being able to repay credit cards and mortgages due to the epidemic. The most important thing now is to ventilate more at home, wash hands more, and go out less. It doesn’t matter if you don’t go to work to make money now. However, we also discovered some problems through this incident: First, the leverage ratio of Chinese households is too high. Once an emergency like the epidemic occurs, they will be relatively passive and embarrassed, and 80% of households are still burdened with high mortgage loans.

Therefore, it is necessary to reduce high leverage and return to a rational state in 2020. At present, the household debt-to-income ratio of Chinese people has reached 121.6%, which is already very high. What's even more terrible is that 77% of Chinese household wealth is real estate, and only 23% is financial assets. Everyone has put all their future family assets on the house. Once they lose their income, they still have to repay the previous loans. They are often called for debts, and life will be very difficult.

Furthermore, even if the bank allows you to postpone the repayment of your mortgage and credit card loan, the current income level of Chinese people is generally not high, and they like to live a life of eating and drinking, and they do not have much savings. The average family The monthly income has been used to pay off the mortgage or credit card debt, and there is not much left every month. If they really stay at home for a few months, I am afraid that a large proportion of families will not be able to support themselves. In other words, most young families in China have very little savings and are less able to cope with emergencies.

Finally, even if some families still have an income of tens of thousands of yuan, it depends on the price level. If they do not go out to work or are unemployed for a long time at home, and at the same time, the domestic inflation level is gradually increasing, It is estimated that the savings of ordinary families will not be able to support it for too long. Therefore, we must not only delay the mortgage repayment period of home buyers as appropriate, but also control domestic prices. Monetary policy cannot be too loose, and the stability of prices and exchange rates must also be taken into consideration.

The outbreak of the new coronavirus is an emergency. The China Banking and Insurance Regulatory Commission has also issued relevant documents to allow people staying at home in the hardest-hit areas to postpone loan repayments as appropriate. This also reflects the national will. Sincere determination to fight the coronavirus epidemic. However, through this virus epidemic, we have also seen that the debt ratio of domestic residents is indeed too high, the ability of Chinese households to withstand emergencies is weak, and the need to control domestic inflation when an epidemic occurs. We have also been worried that as the whole population increases leverage, young families do not have the ability to deal with emergencies. Once a crisis occurs, many families will face a dangerous situation.

Hello, I am happy to answer your question. Now the epidemic has entered the second stage. We have also seen that the confirmed cases and suspected cases are constantly declining. We believe that the epidemic will be under control soon. Well, the 20th is the second fourteen-day day. There is great hope that there will be an inflection point on the 20th, so wait patiently.

Secondly, for those who have lost income or are temporarily without income due to the epidemic, in accordance with the regulations of the China Banking Regulatory Commission and the People's Bank of China, a document has been issued requiring more commercial banks to give appropriate tilts in credit policies and flexibly adjust housing mortgages, credit cards, etc. Personal credit repayment arrangements and reasonable extension of the repayment period. Therefore, if you have no money to repay the loan temporarily, you can call the bank’s official customer service number to explain and extend it.

The current policies introduced by various banks are basically to grant a repayment grace period of no more than 30 days and no more than the end of the month; no overdue records will be recorded during the grace period, and no penalty interest will be charged. For example, Industrial Bank Bank, CITIC Bank, Bank of China, etc. Because the delay is only 30 days at most, except for Hubei, other regions basically resumed work officially on February 10 due to the epidemic, and most of the people affected were only about half a month's income. Village closures, road closures, and community closures are also limited. After February 10, all normal restrictions will be relaxed

Of course, this does not mean that if you apply directly to the bank, it will be granted. The bank will verify it and ask you Provide relevant proof to prove that you have indeed been affected by the epidemic, resulting in insufficient repayment ability or loss of source of income. This is why some people's applications are rejected because they do not meet the requirements.

I believe this epidemic has made many people deeply understand two points: (1) You need to work, not work needs you; (2) Ensuring appropriate savings deposits is one thing. Something extremely important. Therefore, you should save a little when you should, and you can’t always be a moonlight clan.

Hope it helps you

My family also pays 5,000 per month, and the repayment date is coming soon. I feel so stressed after buying a house, and I have to do it every month. Live life on your fingers. Sometimes I really want to sell the house.

This epidemic can be said to have affected everyone. Everyone’s situation is different. Some families have savings that can last for a long time, but some families have no savings. Such families are under great pressure. . But now the country has also introduced some policies to ensure everyone's life during the epidemic. For example, eligible loans can be deferred. We must also believe in the country and medicine. This epidemic should pass soon. Now some companies are gradually resuming production. During the epidemic, if we can't go to work, we should stay at home. Don't cause trouble to the country and government.

I am born in the 1960s and my salary is not high. I don’t have much savings and I don’t have the habit of excessive consumption. I live an ordinary life and have three simple meals a day. No matter what, I still hope that the epidemic will end soon and I can get back to normal work. If the epidemic lasts for a long time, it will be a disaster for the country and individuals!

For those who have lost income or are temporarily without income due to the epidemic, in accordance with the regulations of the China Banking Regulatory Commission and the People's Bank of China, a document has been issued requiring more commercial banks to give appropriate tilts in credit policies and flexibly adjust personal mortgages, credit cards, etc. Credit repayment arrangements and reasonable extension of the repayment period. Therefore, if you have no money to repay the loan temporarily, you can call the bank’s official customer service number to explain and extend it.

Yes, it is indeed a headache.

I think you can try to get a partial loan on websites like Alipay or JD Finance. It is hoped that the country will quickly introduce some practical and effective policies to protect these people who are repaying loans due to the impact of the epidemic.