2. Target population: mainly including medical personnel and government workers involved in epidemic prevention and control, confirmed patients, isolated personnel (including isolated observers), suspected personnel and their spouses. For other customers who have temporarily lost their income sources due to the epidemic, the business department that needs loans, usually the most basic branch, can go to the door to verify the relevant situation and handle it as appropriate after confirmation; For example, some poultry farmers have buried tens of thousands of chickens alive because of epidemic prevention and control, and their income has definitely been affected;
3. It has an impact on loans, extending the grace period for a period of time, and some banks have three months; There is no liquidated damages during the grace period, and the borrower's credit investigation is not affected;
This thing is destined to be a process, which is difficult to complete in an instant. The business departments that need loans collect the demand, then report it to the loan management departments of branches, generally the consumer finance department and the retail credit management department, and finally report it to the head office to modify the parameters in the loan system;
5. The above information is for reference only. Most importantly, you should call the bank where you apply for a loan and see their regulations.
In the notices of the People's Bank of China, the China Banking Regulatory Commission and other five departments, it is explicitly required to flexibly adjust the repayment arrangements of personal credit such as housing mortgage and credit card for those who have temporarily lost their livelihood due to the epidemic, and reasonably extend the repayment period. Both mortgage and credit card can be extended reasonably. However, for car loans, the current policies of various car dealers are different.
Since the outbreak of the epidemic, at 0: 00 on February 2nd, Foton Daimler Automobile officially announced to the public that all users who applied for loans through Ou Man during the epidemic period can apply for dormant (deferred) repayment. Please contact the car dealer for the specific application process. Foton Daimler Automobile has also become the first heavy truck enterprise in the industry to push the deferred repayment policy.
Faw liberation, Qingdao Automobile Liberation, China Heavy Duty Truck and Dongfeng Commercial Vehicle have all introduced policies such as deferred repayment. Take faw liberation as an example. In terms of finance, during the epidemic period, users who borrow money to buy a car can postpone the repayment by stages. In addition, for vehicles that cannot be repaired in time, the warranty period of faulty parts can be extended.
Qingqi's liberation can be postponed for 3 months, which means that in order to effectively help end customers and dealers successfully pass the prevention and control period of the new pneumonia epidemic, Qingqi Company and FAW Finance Company jointly launched an emergency protection plan during the epidemic: repayment can be postponed according to the actual situation of customers, and the longest buffer period can be 3 months.
In addition, passenger car companies have also released plans for loans overdue. These include WEY, finidi, Volkswagen and other passenger car brands.
According to these plans, finidi will provide car owners with repayment pressure with a 14-day extension of car loan repayment. WEY brand said that adjusting the financial car purchase policy appropriately and providing flexible repayment forms will coordinate the third party to extend the repayment period.
The policy of public finance is that if the credit application place or ID card belongs to Hubei Province, it will automatically get a grace period of up to 50 days. If it is a different place, it will provide a 20-day grace period or make other adjustments.
First of all, it is necessary to clarify which banks are involved. For example, commercial banks such as China Merchants Bank and CITIC can delay repayment by communicating with customer service and explaining the situation for up to one month. CCB, ICBC and other banks have strict management. However, you can apply for an extension through manual customer service. At present, the situation is quite special, so it should be possible to postpone the repayment. Moreover, the central bank has just issued the Notice on Further Strengthening Financial Support to Prevent and Control the novel coronavirus Epidemic, clearly stating that banks should postpone repayment if they are affected by the epidemic. In addition, if the repayment is overdue due to the epidemic, it will not affect personal credit information.
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First, if your capital can't be turned over temporarily, you can contact the bank to see if you can apply for a loan extension. Generally speaking, if the borrower cannot repay the loan for some reason, the bank will extend the loan for a certain period after verification.
Second, according to the relevant provisions of China's credit investigation, bad records will only be generated if they are overdue for more than 90 days, which is automatically controlled by the system. If you have no money for only one month, you don't need to apply. Just pay off the interest for these two months before the interest settlement date of next month. However, during the period from the interest settlement date of this month to the next interest settlement date, your unpaid interest will generate penalty interest.
Reasonably postpone the repayment period
Recently, the Central Bank, 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.
It is clear that financial institutions should appropriately tilt their credit policies, flexibly adjust personal credit repayment arrangements such as housing mortgages and credit cards, and reasonably delay the repayment period for those who are hospitalized or isolated due to new pneumonia, those who need to be isolated for observation due to the epidemic, those who participate in the prevention and control of the epidemic, and those who temporarily lose their sources of income due to the epidemic.
In other words, if you have no source of income temporarily because of the epidemic, you can reasonably postpone the repayment of mortgage and credit card.
Subsequently, banks have successively issued a series of policies to support the prevention of pneumonia:
Bank of China:
10 measures were introduced to help win the epidemic prevention and control war. It is mentioned that if the personal loans and credit card overdrafts of medical staff, government workers, confirmed patients, suspected persons and their spouses involved in epidemic prevention and control are overdue during the epidemic, the repayment period will be extended, which is not considered as a breach of contract and is not included in the overdue personal credit record. The relevant interest and late payment fees can be reduced or exempted, and you can apply for credit repair.
In loans overdue, personal participation in epidemic prevention and control is not considered illegal, and the grace period of personal loan repayment in Hubei is extended to 1 1 day. For people who have temporarily lost their sources of income due to the Hubei epidemic, they can delay repayment of the principal for 3-6 months according to the actual situation.
ICBC:
Any medical staff and staff involved in epidemic prevention and control, as well as confirmed patients and suspected persons and their spouses, whose personal loans and credit cards overdrawn at ICBC during the epidemic period are overdue due to inconvenient repayment, are not considered as breach of contract and will not be included in the list of default customers.
Agricultural Bank:
For customers who have temporarily lost their sources of income due to the epidemic, we will flexibly adjust the repayment arrangements of personal credit such as housing mortgage, credit card and agricultural loan, and reasonably postpone the repayment time.
Under the premise of complying with laws, regulations and regulatory provisions, if the personal loans and credit card overdrafts of the staff involved in epidemic prevention and control are overdue during the epidemic period, they will not be regarded as breach of contract for the time being, and will not be included in the list of defaulting customers, and no penalty interest will be charged. Other personal loans, credit card overdrafts and farmers' loans overdue caused by epidemic and non-personal subjective reasons are not regarded as breach of contract, and are not included in the list of defaulting customers, and no penalty interest is charged.
China Construction Bank:
Medical staff and government workers involved in epidemic prevention and control, whose personal loans and credit card overdrafts in CCB are overdue during the epidemic period, are not regarded as breach of contract and do not enter the default customer list. Enterprises suffering from temporary difficulties due to the epidemic will be given full support through credit restructuring and reduction of overdue interest according to actual conditions.
China CITIC Bank:
Personal loan customers who have lost their income sources for a short time due to the epidemic will be given a certain grace period for repayment. Overdue loans to medical staff and people isolated due to illness who participate in epidemic prevention and control will not be included in overdue credit information and will not be charged with overdue penalty interest.
Shanghai Pudong Development Bank:
For individual loan customers who have temporarily lost their income sources due to the epidemic, reasonable measures such as "adjusting repayment plan and strengthening loan renewal support" should be taken to reduce the repayment pressure of customers; Don't refuse to accept customers' loan applications because of the epidemic; For the objection application of customers whose overdue loans affect personal credit information due to this epidemic, it will be handled according to the guidance requirements of the Credit Information Center of the People's Bank of China; Moderately reduce the interest rate of some personal loan products.
Medical staff and government workers involved in epidemic prevention and control will reasonably delay the repayment period for credit card customers who have temporarily lost their income sources due to inconvenience in repayment and the epidemic. 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 with development prospects but temporarily trapped, we will not blindly draw loans, cut off loans, and suppress loans.
Postal savings bank:
For industries and enterprises that are greatly affected by the epidemic, we should not blindly borrow, cut off or suppress loans, and adopt a one-household policy to support related enterprises to overcome the impact of the epidemic disaster through credit restructuring, loan extension, reduction and exemption of overdue fees, making arrangements for renewing loans in advance, increasing credit loans and medium-and long-term loans, reducing the cost of comprehensive loans, and timely resolving risks.
For medical personnel, government workers, novel coronavirus-infected persons and isolated personnel involved in epidemic prevention and control, overdue due to inconvenient repayment during the epidemic period will not be regarded as a breach of contract for the time being, and will not enter the list of defaulting customers, and the overdue interest and penalty interest will be reduced and exempted, and credit information will be provided for repair. For those who temporarily lose their source of livelihood due to the epidemic, timely adjust the repayment arrangements of personal credit such as housing mortgage and credit card, and reasonably postpone the repayment period.
Huaxia Bank:
For small and micro enterprises that temporarily lose their income sources due to the epidemic, they can negotiate with customers to extend the repayment period reasonably, which will not be regarded as a breach of contract for the time being, and there will be no penalty interest for adding overdue loans during this period.
For medical personnel, army officers and soldiers, government workers who participated in the epidemic prevention and control, for patients affected by isolation and their families, and for those who temporarily lost their income due to the epidemic, the repayment period was reasonably delayed.
We haven't received the notice about the car loan. Now the car loan can be handled normally. If the loan is postponed, every bank needs to call the relevant units.