Legal analysis: during the epidemic period, the mortgage can be postponed for 3~5 months to repay. Generally, repayment can be delayed until the end of the epidemic. During the epidemic period, if there is evidence to prove that there is no source of income, you can negotiate with the bank in time to postpone the repayment period, and if it is overdue, you can ask the bank not to be included in the credit record temporarily.

Legal basis: Article 36 of the Law of People's Republic of China (PRC) Commercial Bank, when a commercial bank lends money, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral.