For medical personnel, government workers, confirmed patients, suspected persons and their spouses who are involved in epidemic prevention and control, if personal loans and credit card overdrafts at Bank of China and BOC Consumer Finance Co., Ltd. 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. For those who temporarily lose their income sources due to the epidemic, BOC can adjust the repayment arrangements of the entire loan customer and postpone the repayment period. Among them, for individual customers who borrow money from Hubei Branch, a grace period of 1 1 day is provided.

The following four types of personnel can reasonably postpone the mortgage:

One is infected.

Second, the prevention and control of epidemic situation needs to isolate observers.

The third is the personnel involved in the epidemic prevention and control work.

Fourth, people who have temporarily lost their source of livelihood due to the epidemic.

Therefore, in addition to the above four types of people, most of them still have to repay on time, otherwise there will be overdue records.

In real life, a house is a warm belonging of a big family, and because of this, many people have to buy their own houses before getting married. However, because the price of the house is very expensive, they can only pay in installments, and they will face the repayment pressure of the house loan every month. Of course, during the epidemic, they can submit an application for deferred repayment to financial institutions.

Legal basis:

Notice on Further Strengthening Financial Support to Prevent and Control novel coronavirus

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.