[Explanation] Recently, the national epidemic prevention and control situation has been severe. Many wage earners in Shanghai and other places have been quarantined or unable to work at home, resulting in the inability to repay their loans normally.
Many citizens are asking online for help, whether it is possible to delay the mortgage repayment period.
In this regard, the reporter called the customer service of some banks in Shanghai, and the customer service told the reporter that they have not received the relevant notice of the extension of the loan, and they have to consult their own loan outlets depending on the situation.
[Concurrent] ICBC Customer Service
I can't confirm the extension for you now, because we have not received some corresponding policies, so if we receive the policies, we may inform you later.
At present, the Shanghai branch in Shanghai has not received the policy of postponement due to the epidemic.
[Concurrent] China Construction Bank Customer Service
You need to consult your lender. Due to the impact of the epidemic, if you are indeed unable to repay due to objective reasons, such as closed communities and closed business outlets, please contact our loan handling bank. .
[Explanation] At the same time, the customer service reminded that if you have not received a notice that you can postpone the loan repayment, it is recommended to repay the loan in full on time.
Overdue loans without the bank's consent will affect personal credit records.
[Concurrent] ICBC Customer Service
When there is no policy issued at present, it is recommended to repay the loan in full, otherwise it will be troublesome to affect the credit investigation later.
[Explanation] Some bank customer service also indicated that relevant staff will handle it, and reminded that if you plan to apply for deferred repayment, you need to prepare a community closure notice or corresponding quarantine certification materials.
[Concurrent] Agricultural Bank Customer Service
You can give you feedback on the situation first. After the feedback, a special staff will contact you in the follow-up.
Just to say that before contacting you, the closure notice of your community or the proof materials of isolation should be prepared first, and then we will see how to deal with this situation.
[Explanation] In fact, as early as February 2020, five departments including the central bank, the Ministry of Finance, and the China Banking and Insurance Regulatory Commission issued a document that made it clear that financial institutions can flexibly adjust repayment arrangements such as housing mortgages and credit cards for those who temporarily lose their income sources due to the impact of the epidemic. Reasonable extension of the repayment period.
In this regard, Shen Mengru, associate professor of the e-commerce research center of Beijing Jiaotong University, believes that it is necessary to encourage financial institutions to give a certain degree of tilt to credit policies, and banks should also support and implement relevant policies.
[Concurrent] Shen Mengru, Associate Professor, E-Commerce Research Center, Beijing Jiaotong University
The national policy also encourages financial institutions to give certain appropriate credit policies, including flexibly adjusting housing mortgages, including personal repayment of credit cards, etc., and may also encourage some in terms of schedule. I think it is necessary to have a flexible system to deal with these.
And it is also a good measure for major banks to reflect their social responsibility, such as giving a certain policy grace period or loan extension, including whether many netizens are concerned about whether the overdue credit report can be eliminated, etc. Some of these aspects Policies should be detailed and implemented by banks.
[Explanation] Experts said that if the relevant policy of delaying the mortgage repayment period is implemented, it will cause certain pressure on banks in a short period of time.
However, with the operating strength of major banks and technical support such as big data, the risks are still within the controllable range.
[Concurrent] Shen Mengru, Associate Professor, E-Commerce Research Center, Beijing Jiaotong University
In a short period of time, it will definitely have a certain impact on the bank's revenue, and it will also test the strength of the bank.
However, I think this aspect may require the support of major banks based on their respective operating strengths and some analysis methods of big data, which can deal with some potential financial risks in a short period of time, and it should be said that it is still controllable.
Reported by Chi Hanyu in Beijing
Responsible editor: [Lu Yan]