What should I do if I can't repay in time because of the epidemic? For customers who can't repay the loan on schedule during the epidemic period, they can apply for delaying repayment, extending the loan period and adjusting the billing plan. , and the five major banks have made a clear answer:
China Industrial and Commercial Bank replied: customers who fail to repay the housing provident fund in time due to the epidemic will be provided with personal loan deferred payment service, which will not be included in the list of delinquent customers, and their credit records will be kept to provide continuous services.
Reply from Agricultural Bank of China: For customers who fail to repay in time due to the epidemic, if there are requirements such as delaying repayment time, reducing penalty interest, and eliminating overdue credit records, we will provide customer care policies for individual housing loans to eligible customers. For specific policies, customers can contact the loan handling bank or account manager.
Bank of China responded: Customers who cannot repay in time due to the epidemic can extend the loan period, delay the repayment of principal and interest, and set a preferential repayment period. At present, China Bank has introduced a series of preferential measures, including online repayment, deferred repayment, deferred repayment and early repayment.
China Construction Bank replied: For customers who cannot repay in time due to the epidemic, they can choose to postpone repayment. The specific policy is to delay repayment for 28 days in the short term. During this period, there will be no collection, and the credit information will not be affected. We can also adjust the billing plan by stages according to the epidemic situation in various places, reduce the installment payment in the current period, postpone part of the repayment to the next month, extend the overall term of the loan, postpone the maturity date and reduce the installment payment.
Reply from Bank of Communications: A certain grace period can be provided for customers who fail to repay in time due to the epidemic, that is, customers can apply to the bank and give a certain grace period after approval.
The above are the detailed answers to the grace period of ICBC's mortgage application and the inability to repay the loan in time because of the epidemic. At present, it has become a common problem that loans cannot be repaid in time because of the epidemic.