Judging from the situation of various banks, the support policies for deferred repayment are basically the same, but there are differences in terms of time limit and specific operation. Among them, the grace period varies from 1 1-30 days, and the grace period of ICBC is 30 days. After the grace period, customers can choose the average payment or one-time payment according to the situation. The extended loan term is between 1-6 months. During the extended period, interest will be calculated normally, and no penalty will be charged.
According to the staff of Weifang Branch of China Everbright Bank, the longest extension of the bank's loan is no more than 3 months, during which there is no need to repay, but the interest is normal, and the loan period is extended accordingly according to the application extension; During the extension period, the interest will be paid in one lump sum on the first repayment date after the extension period, and the principal will be shared equally in future repayment plans.
The process of applying for extension is not complicated. A number of banks said that eligible residents can call the national customer service phone of the loan bank or contact the account manager directly to register. Under normal circumstances, the second-tier branches in the city have the approval authority, which can be approved within 1-2 working days.
What should I do if the borrower is overdue due to the epidemic?
In March, the Ten Measures for Financial Services to Support Epidemic Prevention and Control and Stable Economic and Social Development issued by our province mentioned that financial institutions should reasonably adjust the way of submitting overdue credit records. Due to the epidemic situation, the overdue loans can not be submitted as overdue records, and those that have been submitted can be adjusted.
In this regard, the relevant person in charge of Shandong Provincial Association said that farmers, individual industrial and commercial households and small and micro enterprises that cannot repay the principal and interest on time due to the epidemic will implement the overdue record protection policy, and the rural commercial banks will make adjustments according to the credit correction procedures.
According to the relevant person in charge of Shandong Branch of Bank of China, this year, the bank issued the Notice on Actively Doing a Good Job in Customer Credit Information Objection during the Epidemic Period. If the credit investigation is overdue due to the failure to repay the loan in time or the failure to apply to the bank for adjusting the repayment plan in time, the handling bank will submit an objection handling application to the Head Office in time after the customer repays the loan arrears or the handling bank voluntarily completes the loans overdue zeroing adjustment.
The reduction of mortgage interest rate will also reduce the burden on buyers.
Following the reduction of mortgage interest rates by some banks in Tai 'an, Linyi and Yantai in March, recently, banking institutions in Rizhao, Liaocheng, Weifang, Jining, Weihai, Dezhou and other places also generally lowered the personal housing loan interest rate by 20 to 45 BP (basis point).
The reporter called a business outlet of Industrial and Commercial Bank of China Rizhao Branch, and its personal loan manager said: "The interest rate of housing loans has dropped a lot compared with the previous period. The interest rate for the first home has dropped from 5.3% in February to 5. 1%, and the lowest interest rate for non-first home loans is 5.2%. At present, all ICBC outlets in the city are handled at this interest rate. Our bank has sufficient mortgage loan. As long as the procedures are complete, the loan can be issued as soon as possible. "
According to the person in charge of Liaocheng Branch of Agricultural Bank of China, "the minimum annual interest rate of the first suite can reach 5%, and the minimum annual interest rate of the second suite can reach 5.2%, which is 20 BP lower than that at the end of 2002/kloc-0."
Some banks in Jining have the largest downward adjustment this time. In the early stage, the average interest rates of the first and second suites of Jining Bank were 5.4% and 5.6% respectively. After this downward adjustment, it is estimated that the interest rate of the first suite will average 5%, and the interest rate of the second suite will be lowered to 5.2%, by 40 BP and 45 BP respectively.
Many banking institutions in Weihai and Dezhou reported that the current policy lower limit of individual housing loan interest rate is that the first set of housing loans should not be lower than LPR and the second set of housing loans should not be lower than LPR+60BP, which meets this requirement. The loan amount of each bank is relatively sufficient, the lending speed is improved, and there is no queuing phenomenon.
It is understood that since March, due to the weakening market demand, banks in more than 65,438+000 cities across the country have independently lowered their mortgage interest rates, with an average range of 20 to 60 BP.