Recently, due to the severe epidemic prevention and control situation, many wage earners have been isolated or isolated at home, unable to go to work normally, and their income has also been affected. Many people also lost their income, making them unable to pay their mortgages. Many citizens ask for help to postpone the repayment period. Many banks will consider this requirement.
? ◇ As early as February 2020, the People's Bank of China, the Ministry of Finance, the China Banking Regulatory Commission and other five departments issued the Notice on Further Strengthening Financial Support for Prevention and Control in novel coronavirus.
? It is clear in the notice that during the epidemic prevention and control period, if the hospitalized or isolated personnel are infected with new pneumonia due to the impact of the epidemic, the isolated observers required for epidemic prevention and control or the personnel involved in epidemic prevention and control fail to repay in time, they can submit them to the bank. After confirmation, relevant overdue loans and arrears can be submitted, and there is no overdue record, and those that have been submitted can be adjusted.
◇ At the same time, the circular also requires that financial institutions should flexibly adjust the repayment arrangements of personal credit such as housing mortgage and credit card, and reasonably postpone the repayment period for those who need to be isolated for observation or participate in epidemic prevention and control due to hospitalization or epidemic prevention and control in COVID-19, and those who temporarily lose their source of livelihood due to the epidemic.
? ? In this way, it is feasible in the system to delay repayment because of the impact of the epidemic. The delay is only temporary, and it is a policy adjustment made because of the epidemic, which is different from losing the ability to repay. Everyone is clearly divided.
Delaying repayment is really a boon for people with mortgages. Specific policies need to contact customer service for consultation. If there is no clear approval, you must repay the loan on time, so as not to affect the credit investigation. After all, delaying repayment of loans is also aimed at specific groups of people.
? At present, various banks have successively introduced the policy of delaying repayment due to the epidemic.
Bank of China? A package of individual housing loan guarantee policies including online repayment by mobile banking, extending loan term, delaying repayment of principal and interest, and setting repayment preferences were introduced.
China Construction Bank? For customers who are affected by the epidemic and meet the conditions of deferred repayment, credit protection measures will be implemented and a green channel for accepting credit objections will be opened. It has been learned that customers in Suzhou, Fuzhou, Shenzhen, Hebei and other regions can apply for deferred repayment. Shanghai and Changchun will also issue policies one after another.
Icbc? ICBC Shanghai Branch advised individual loan customers to repay their loans through online banking, mobile banking and other online channels during the epidemic. For customers who are temporarily unable to repay due to the epidemic, the bank will adjust the repayment arrangement, postpone the repayment period and ease the repayment pressure of customers according to the actual situation and customer applications.
Among the 19 measures announced by Bank of Communications to fully support Shanghai's anti-epidemic, one is to provide services such as delaying the repayment of principal and interest.
Nanjing Bank? For medical personnel and related personnel involved in epidemic prevention and control, as well as those who have temporarily lost their livelihood due to the epidemic, they can apply to the bank for adjustment. During the epidemic period, an individual loans overdue may apply for adjustment of credit information. If the bank finds that it meets the requirements, it cannot be considered as a breach of contract for one month overdue. If your loan is not overdue, you can apply to adjust the loan to the overdue date.
? Agricultural Bank? Agricultural Bank depends on the epidemic situation and the specific situation of customers.
? Delaying repayment is really a boon for people with mortgages. Specific policies need to contact customer service for consultation. If there is no clear approval, you must repay the loan on time, so as not to affect the credit investigation. After all, delaying repayment of loans is also aimed at specific groups of people.