During the epidemic period, the loan repayment can be postponed because the government has issued corresponding specific policies. For those who are hospitalized or quarantined due to new pneumonia, those who need to be quarantined due to epidemic prevention and control, and those who participate in epidemic prevention and control, if they fail to repay in time due to the impact of the epidemic, the overdue loans related to mortgage loans can be adjusted to have no overdue records.

legal ground

Article 14 of the Notice on Further Strengthening Financial Support for Prevention and Control in novel coronavirus.

Effectively protect the rights and interests related to public credit information. Branches of the People's Bank of China and access institutions of financial credit information basic database shall properly arrange credit inquiry services and guide the public to conduct credit inquiry through the Internet and self-service inquiry machines. It is necessary to reasonably adjust the submission method of overdue credit records. For those who are hospitalized or isolated due to new pneumonia, those who need to be isolated due to epidemic prevention and control, and those who participate in epidemic prevention and control, if they fail to repay in time due to the impact of the epidemic, the relevant overdue loans may not be submitted as overdue records, and those that have been submitted shall be adjusted. Individuals and enterprises that temporarily lose their sources of income due to the epidemic can submit credit records according to the adjusted repayment arrangements.