During the epidemic prevention and control period, the mortgage policy can theoretically postpone repayment, but the specific policy of the bank shall prevail. According to the provisions of relevant laws, when applying for deferred repayment during the epidemic period, the materials required by the applicant include the applicant's identity certificate, application for deferred repayment, types of deferred repayment, etc.
According to the 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 infection with new pneumonia * secured loans 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.
Mortgage interest relief during the epidemic: According to the Notice of the Ministry of Finance on Supporting Financial Services to Prevent and Control novel coronavirus issued on February 2, 2020 and the regulations of the the State Council Executive Meeting on February 5, 2020. Give financial discount support to the loans of key enterprises for epidemic prevention and control.
1. On the basis of preferential interest rate credit provided by financial institutions supported by special refinancing of the People's Bank of China, the central government will give a discount at 50% of the refinancing rate of the People's Bank of China, and the discount period shall not exceed 1 year. Discount * will be arranged from special development projects in inclusive finance.
2. Make good use of the special refinancing policy, support banks to provide preferential interest rate loans to key enterprises such as small and micro enterprises that produce, transport and sell key medical prevention and control materials and daily necessities, and the financial department will give half discount to ensure that the enterprise loan interest rate is lower than 1.6%.
3. For the personal guaranteed loan that has been issued, if the borrower suffers from novel coronavirus, he can apply to the loan bank for deferred repayment. In principle, the extension period shall not exceed 1 year, and the financial department will continue to give discount support. For individuals and small and micro enterprises that have temporarily lost their income sources due to the epidemic, local financial departments at all levels should give priority support to relevant parties when applying for secured loans.