? 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.
Bank of communications? ? Among the 19 measures announced by Bank of Communications to fully support Shanghai's anti-epidemic, the initiative to provide services such as delaying the repayment of principal and interest is one of them.
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.
? Whether there is a clear notice or not, the bank has not denied that customers can't repay normally because of the epidemic and can apply for deferred repayment. The specific implementation will vary from city to city. It needs to be verified according to the actual situation.
The epidemic situation has a great impact on freelancers, service industries and other people. The long-term closure has had a significant impact on the income of these people, and their income has been greatly reduced or no income. It is undoubtedly very difficult for people who have mortgages or other project loans.
In 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 the Prevention and Control of novel coronavirus, which clarified that during the epidemic prevention and control period, if the hospitalized or isolated personnel were infected with new pneumonia, the isolated observers needed for the epidemic prevention and control, or those who participated in the epidemic prevention and control could not repay in time due to the impact of the epidemic, they could submit the relevant overdue loans and arrears to the bank, and the submitted ones could be adjusted.
At the same time, the circular also requires financial institutions to flexibly adjust the repayment arrangements of personal credit such as housing mortgage and credit card 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 livelihood due to the epidemic, and reasonably postpone the repayment period.
? 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.