Legal analysis: it is ok to delay repayment during the epidemic. If the borrower belongs to a person who is hospitalized or quarantined due to new pneumonia, or who needs to be quarantined and observed during the epidemic prevention and control period, the financial institution may reasonably postpone the repayment period.

Legal basis: Article 667 of the Civil Code of People's Republic of China (PRC) is a loan contract in which the borrower borrows money from the lender, returns the loan at maturity and pays interest.