If the parties have no economic income due to the epidemic and are unable to repay, they may apply to the bank for an extension.

Banks can require financial institutions 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 for those who are hospitalized or isolated due to new pneumonia, those who need to be isolated for observation due to epidemic prevention and control, those who participate in epidemic prevention and control, and those who temporarily lose their sources of income due to the epidemic.

Personal business guarantee loans infected with new pneumonia can be extended for one year.

Financial institutions shall reasonably adjust the submission of overdue credit records. For those who are hospitalized or isolated due to new pneumonia, need to be isolated due to epidemic prevention and control, and participate in epidemic prevention and control, if they fail to repay in time due to the impact of the epidemic, they may not submit relevant overdue loans as overdue records, and those that have been submitted shall be adjusted.