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.
Second, what about all loans during the epidemic?
Repayment can be postponed in each major period, and personal repayment will not be affected after collection. The latest notice related to the organization. Generally, the specific scope, conditions and procedures of deferred repayment will be announced, and some need to apply. According to principle.
legal ground
People's Republic of China (PRC) and People's Republic of China (PRC) have decided to block the epidemic areas of Class A infectious diseases within their respective administrative areas, but it is up to the State Council to block the traffic in epidemic areas in large and medium-sized cities or epidemic areas across provinces, autonomous regions and municipalities directly under the Central Government or block the borders. During the period of isolation, the government implementing isolation measures should deal with the obstacles; Remuneration for working in the room where the quarantined person is located.
3. What if the employment loan is not repaid during the epidemic?
If there is no salary during the epidemic and the loan cannot be repaid, the borrower can apply to the lending institution for extension or installment repayment. If the borrower is a person seriously affected by the epidemic, such as a person hospitalized or isolated due to new pneumonia, the lending institution will allow him to postpone repayment. Legal basis Article 676 of the Civil Code If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state. Article 678 The borrower may apply to the lender for extension before the repayment period expires. If the lender agrees, it can be extended. Notice on Further Strengthening Financial Support for the Prevention and Control of novel coronavirus Article 1 Improve financial services in 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.