Legal analysis: 1. Understand the relevant policies. News from official website, China Banking and Insurance Regulatory Commission, China, 654381October 26th, China Banking and Insurance Regulatory Commission, China issued a notice, requiring banking and insurance financial services institutions to fully cooperate in the prevention and control of pneumonia in novel coronavirus. The notice pointed out that for those who temporarily lost their income sources due to the epidemic, the credit policy should be appropriately tilted, the repayment arrangements of personal credit such as housing mortgage and credit card should be flexibly adjusted, and the repayment period should be reasonably postponed.

2. To apply for delayed repayment, you can apply by mobile phone and call customer service to negotiate;

3. Wait for the result of the bank. After you apply, the bank staff will report to the superior and wait for approval before you can delay repayment.

4. Keep relevant isolation certificates;

If you are an isolated person, whether in the hospital or at home, you should keep relevant information so that after the epidemic, you can apply to the bank and the repayment will not be affected.

Legal basis: Interim Measures for the Administration of Personal Loans.

Article 4 Personal loans shall follow the principles of compliance with laws and regulations, prudent operation, equality, voluntariness, fairness and good faith.

Article 5 Lenders shall establish an effective whole-process management mechanism for personal loans, formulate loan management systems and operating procedures for each loan type, define the corresponding loan objects and scope, implement differentiated risk management, and establish an assessment and accountability mechanism for each operation link of loans.