(Fighting against New Coronary Pneumonia) Many Chinese banks provide loan repayment services for customers affected by the epidemic
China News Service, Beijing, April 7 (Reporter Xia Bin) Many places in China are being hit by the epidemic, and some people have lost their income or even lost their source of income as a result.
Can their personal home mortgage loan be deferred from the bank?
After consulting major banks on the 7th, a reporter from China News Agency learned that many banks can provide deferred loan repayment services for customers affected by the epidemic.
The Industrial and Commercial Bank of China said that for personal loan customers affected by the epidemic, it will provide support for deferred repayment services. During the deferred repayment period, customers will not be included in the list of default customers. At the same time, it will protect customers by credit investigation and continue to strengthen customer services.
Bank of China said that it has issued a package of personal housing loan guarantee policies including online repayment through mobile banking, extension of loan period, delayed repayment of principal and interest, and setting preferential repayment period to guide branches in key areas of epidemic prevention and control such as Shanghai and Jilin. Institutions actively respond to customer demands.
The retail loan department of Ping An Bank said that different regions have different measures to deal with the epidemic.
At present, the epidemic situation in Shanghai is relatively serious. For mortgage loan customers who are in quarantine in Shanghai Branch, collections will be stopped for those with temporary difficulties in repayment due to the epidemic, and interest and penalty interest will be reduced or exempted according to the severity of the epidemic.
The Shanghai Branch of Industrial Bank said that it provides mobile banking for mortgage customers with online "pay-as-you-go" repayment, and can not repay the loan principal for up to 3 years to relieve the pressure of repayment.
At present, 36 customers have applied online for "pay-as-you-go", involving a loan of 72.47 million yuan.
In the early days of the outbreak in 2020, Chinese officials have issued relevant notices stating that people who are hospitalized or quarantined due to infection with new coronary 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 , financial institutions can flexibly adjust repayment arrangements for personal credit such as housing mortgages and credit cards, and delay the repayment period reasonably.
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