Users need to specify the banks involved, such as China Merchants Bank, CITIC and other commercial banks. Mortgage can be explained clearly by communicating with customer service, which can be delayed for up to one month; If it is in the construction and ICBC bank loan, you can apply for an extension through manual customer service.

According to the "Notice on Further Strengthening Financial Support to Prevent and Control the novel coronavirus Epidemic" just issued by the Central Bank, it is clearly stated that banks affected by the epidemic should postpone repayment. In addition, overdue repayment due to the epidemic will not affect personal credit information.

Some banks have the following provisions on repayment during the epidemic:

1. BOC: Doctors, patients and staff do not think that Hubei grace period has been violated. For medical personnel, government workers and those who have been isolated due to the epidemic, if they personally loans overdue during the epidemic, it will not be regarded as a breach of contract, and they will not be included in the list of defaulting customers, and they can apply for credit recovery.

The repayment grace period of Hubei personal loan customers is extended to 1 1 day, and no penalty interest is charged during the grace period, so they are not included in the list of default customers. Hubei people who have temporarily lost their source of livelihood due to the epidemic can be given a 3-6 month delay in repayment of the principal according to the actual situation. During the grace period, they can only repay the interest but not the principal, and they can apply for an extension of the loan period.

2. China Construction Bank: Medical staff and government functionaries involved in epidemic prevention and control, whose personal loans and credit card overdrafts in China Construction Bank are overdue during the epidemic period, are not regarded as default, and are not included in the list of default customers; At present, manual customer service registration can be carried out, which is specifically audited by the local personal loan department.

3. Industrial and Commercial Bank of China: Any medical staff and staff involved in epidemic prevention and control, as well as confirmed patients and suspected persons and their spouses, whose personal loans and credit card overdrafts in ICBC are overdue due to inconvenient repayment during the epidemic period are not considered as breach of contract, and are not included in the list of default customers.