Has the mortgage in Hubei been postponed? Before the outbreak, the Bank of China announced that the mortgage could be extended, but the mortgage in February was still deducted to March. Those who want to postpone repayment need to consult the bank themselves.
The mortgage business is actually a very low overdue rate business in banks, and it is also the basic business of banks. In the short term, it will fluctuate due to the epidemic, but it should be stable on the whole, because most mortgages are their own houses, and most buyers still don't want their houses to be executed because of overdue reasons.
How to operate Hubei mortgage extension Several big banks can basically apply by phone. However, it should be noted that the policies of banks in different regions should be somewhat different on the problem of delayed repayment due to the epidemic. Many banks have indicated that they need to consult the corresponding account managers of the handling banks to get a more definite answer.
If there is no problem with your repayment ability, it is recommended to repay on schedule. If it is really affected by the epidemic, please contact the account manager at home!
What about Hubei mortgage during the epidemic? The documents of the five ministries and commissions go further, defining four categories of people who can reasonably postpone their mortgages:
First, infected people, second, isolated observers are needed for epidemic prevention and control, third, people involved in epidemic prevention and control, and fourth, people who have temporarily lost their source of livelihood due to the epidemic.
Not only can the mortgage be extended, but the major banks can also postpone repayment. Specifically, I still have to ask the major banks.
The information of medical staff, government workers and patients involved in epidemic prevention and control is easy to confirm. However, most banks have not given specific authentication methods on how to confirm the income of people affected by the epidemic. If you really have no repayment ability, you may wish to call the customer service hotline of your loan bank to apply in advance or keep abreast of the latest regulations. Finally, a little warm reminder: go out less and wear a mask; Wash your hands frequently and don't believe rumors!
What should I do if the mortgage is overdue during the epidemic? If you are temporarily affected by the epidemic, for example, the salary is postponed due to the epidemic, you can find the official phone number of the corresponding bank, communicate with the bank staff, explain your situation, and apply for deferred repayment of the mortgage. Different banks will give extension arrangements according to different actual conditions.
If the bank makes a deferred repayment arrangement, it will not be overdue, so it will not report data to the People's Bank of China's credit information system, nor will it affect its own credit information, as long as the mortgage is repaid before the next deadline according to the deferred arrangement.