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Photo by China News Agency reporter Luo Yunfei

  Zhongxin Finance, April 7 (Zuo Yuqing) "I am working in Shanghai, but I am unable to work due to the epidemic and have no income. I have to repay a mortgage of about 5,000 yuan on the 1st of each month. I hope that the repayment period of the mortgage can be postponed or exempted. Mortgage for half a month."

  Recently, a screenshot of "I hope to delay the mortgage due to the epidemic" was circulated on the Internet, which immediately triggered a heated discussion among netizens. #Delayed mortgage repayment due to the epidemic must be put on the agenda# ranked first in the hot search.

  Given the severe situation of epidemic prevention and control and the implementation of lockdown measures in many places, can the mortgage repayment be postponed due to the epidemic?

How long can the mortgage deferral be extended?

Many banks responded

  In response to the above screenshots, a joint-stock commercial bank responded that at present, the bank has no relevant regulations on mortgage relief due to the epidemic.

According to the bank's regulations, a 1-day delay in mortgage repayment will affect the credit record, and a 3-month delay will initiate legal proceedings. Please be sure to repay the mortgage on time.

  Zhongxin Finance has noticed that under the epidemic, due to time and geographical constraints, different banks currently have different policies for applying for delayed loan repayment due to the epidemic.

  The customer service of ICBC told Zhongxin Finance that for closed-down areas like Jilin, if the mortgage cannot be repaid on time due to the epidemic, it is possible to apply for an extension of the withholding, but the specific extension time cannot be determined.

"Because this is a temporary policy, this policy is often canceled when the blockade is over." The customer service emphasized that the credit information of the handler during the extended withholding period will not be affected.

  According to the customer service of China Construction Bank, some areas can apply for a deferral of mortgage repayment due to the closure and control of the epidemic, and the longest period in Jilin Province is 28 days.

The customer service told Zhongxin Finance that since the outlets in the closed and controlled areas are currently closed, the customer service can help the applicant contact the manager of the loan handling bank and perform relevant registration first.

  Bank of China customer service said that Jilin Province can currently apply for deferral of mortgage repayments, but Shanghai has no relevant policies for the time being.

For customer service suggestions, you can contact the loan handling bank first.

"If relevant policies are introduced in the future, we will have a reminder."

Should the bank extend the repayment period?

  "The epidemic can suspend a city, but it can't suspend mortgages." In response, many netizens said, "Incomes have decreased, but there are mortgages, credit cards, daily consumption, the elderly and children... I can't bear it anymore."

  Some netizens also pointed out that it is necessary to consider their purchasing ability when taking out a loan to buy a house, and leave room for risk.

"The repayment amount of the loan to buy a house should not exceed one-third of your total income, and it is best to save a little of the loan repayments every month."

  So, if the mortgage cannot be repaid on time due to the epidemic, should the bank extend the repayment period?

  As early as February 2020, five departments including the People's Bank of China issued the "Notice on Further Strengthening Financial Support to Prevent and Control the Novel Coronavirus Pneumonia Epidemic" (hereinafter referred to as the "Notice").

  The "Notice" clearly states that financial institutions should provide credit policies for those who are hospitalized or quarantined due to infection with new pneumonia, those who need to be quarantined and observed for epidemic prevention and control, those who participate in epidemic prevention and control, and those who have temporarily lost their source of income due to the epidemic. Appropriately inclined, flexible adjustment of personal credit repayment arrangements such as housing mortgages and credit cards, and reasonable extension of the repayment period.

  For those who are hospitalized or quarantined due to infection with new pneumonia, those who need to be quarantined and observed for epidemic prevention and control, and those who participate in epidemic prevention and control, who fail to repay in time due to the impact of the epidemic, the relevant overdue loans may not be recorded overdue upon confirmation by the access institution. submitted, and those that have been submitted will be adjusted.

For individuals and enterprises that have temporarily lost their source of income due to the epidemic, they can submit their credit records according to the adjusted repayment arrangement.

  However, some netizens are worried that it is still difficult to implement deferred repayment of principal and interest on personal loans.

"How do you identify those who are really hard and who are still in the money?"

  What do you think about this?

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