Recently, the epidemic prevention and control in many places has been upgraded, and many working families have been trapped in their homes to implement home isolation or centralized isolation.

Work can be suspended, but mortgage and car loans cannot.

  Recently, a screenshot of "Due to the impact of the epidemic, citizens asked whether the bank could delay the mortgage" was circulated on the Internet, which immediately aroused heated discussions among netizens. #Delayed mortgage repayment due to the epidemic must be put on the agenda# ranked first in the hot search.

  In this screenshot, a citizen who lives in Kunshan said that he was working in Shanghai, and he was unable to work due to the epidemic and had no income. He had to repay a mortgage of about 5,000 yuan on the 1st of each month. He hoped that China CITIC Bank would suspend the mortgage repayment period. Or get a half-month mortgage waiver.

  For such groups, some financial institutions propose deferred repayment policies.

Yesterday, the reporter received responses from six large state-owned commercial banks, namely the Industrial, Agricultural, China, Construction, Communications, and Postal Savings banks. Affected by the epidemic, customers who meet the conditions can apply for mortgage repayment delays.

The reporter learned from six large state-owned commercial banks that several categories of people who have been greatly affected by the epidemic can apply for deferred mortgage repayment, including: 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; participate in epidemic prevention and control. Control staff; customers who have temporarily lost their source of income due to the epidemic.

For the deferral of repayment, various banks have introduced different policies.

  China CITIC Bank responded:

  Corresponding policies will be formulated, but there is a certain lag

  Regarding the above screenshots, the Kunshan Sub-branch of China CITIC 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.

  A customer service staff of China CITIC Bank told the Chengdu Business Daily-Red Star News reporter that due to the epidemic, it is possible to apply for a policy of delaying housing loans. At present, the bank has only received notices from parts of Suzhou, Changchun, Fuzhou, Shenzhen, and Hebei. ."

  The customer service also said that according to past experience, there may be relevant policies released in Shanghai and other regions in the next week.

"We will formulate corresponding policies according to the epidemic situation, but the policies have a certain lag." The customer service explained.

  The reporter noticed that under the epidemic, due to time and geographical restrictions, different banks currently have different policies for applying for delayed loan repayment due to the epidemic.

  The Industrial and Commercial Bank of China said that for personal loan customers affected by the epidemic, it will provide support for personal loan repayment deferral services. During the deferment period, customers will not be included in the list of default customers. At the same time, customers will be protected by credit investigation and continue to strengthen customer services.

  Bank of China said that it has specially issued a package of personal housing loan guarantee policies, including online repayment through mobile banking, extension of loan term, delay in repayment of principal and interest, and setting of preferential repayment period to guide the key points of epidemic prevention and control in Shanghai and Jilin. Regional branches actively responded to customer demands, implemented policy arrangements for those who were hospitalized or quarantined due to infection with COVID-19, employees who participated in epidemic prevention and control, and customers who temporarily lost their source of income due to the epidemic, and continued to do a good job in the areas of social and people's livelihood affected by the epidemic. Financial Services.

  China Construction Bank said that since the outbreak of the new crown pneumonia epidemic, CCB has issued relevant service policies such as deferred repayment during the epidemic for housing mortgages, consumer loans and other businesses, and has continued to this day.

It mainly provides three types of services: one is short-term deferral of repayment for up to 28 days, during which it will not collect collections or affect credit investigation; the other is to adjust the billing plan.

According to the epidemic situation in various places, it is optional to adjust the billing plan in stages, reduce the installment amount of the current period, and postpone the repayment of the reduced part to a later month; the third is to extend the overall loan term, postpone the due date, and reduce the installment amount.

  Should banks be lenient?

  The People's Bank of China and other five departments have issued a notice

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

The reporter found that 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 shall provide credit policies for those who are hospitalized or quarantined due to infection with COVID-19, 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 impact of 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 coronary 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.

  According to the Qianjiang Evening News, after the policy was introduced, many residents of Hangzhou applied for an extension of repayment.

At that time, Mr. Zhang, a Hangzhou citizen who worked in e-commerce, applied to the bank where the mortgage loan was located, and the bank handled it.

  However, according to Mr. Zhang, the policy of his mortgage bank at that time was that the mortgage loan delayed for one month needs to be repaid together in the next month.

That is to say, Mr. Zhang applied for a deferral of repayment in February, but he needed to repay the mortgage for 2 months in March, and the pressure was not small.

  Chengdu Commercial Daily-Red Star News reporter Li Weiming Li Chen

  Comprehensive Xinhua News Agency, CCTV Finance and Economics, Qianjiang Evening News

  Netizens are allowed to "delay mortgage repayments" when they are blocked and have no income

  Bailouts could also be easier

  A few days ago, Mr. Zhang, a netizen in Gansu, posted a request for help on the media "War Epidemic Service Platform", saying that Jingyuan County, where he was located, had been closed for more than ten days due to the epidemic.

As a part-time worker, he can't go out and has no income. He can't repay his mortgage and car loan. I hope the media can help contact him and negotiate a delay in repayment.

The local bank responded that the repayment time can be postponed, as long as he submits a certificate after the epidemic is over, and it can be extended for 6 months at the latest.

  The bank's support for deferred loan repayment is a humane accommodation measure, which is indeed worthy of praise.

In fact, Mr. Zhang is unable to work due to the lockdown and lacks a source of income. It will undoubtedly be difficult to repay the mortgage on time. After the lockdown is lifted, he will work normally and his income will flow back.

For cases like his, there should be more considerate bailouts.

  In fact, as early as early 2020, the China Banking and Insurance Regulatory Commission and other departments jointly issued the "Notice on Further Strengthening Financial Support to Prevent and Control the Novel Coronavirus Pneumonia Epidemic".

It mentioned that for some affected people who have temporarily lost their source of income, "flexibly adjust the repayment arrangements for personal loans such as housing mortgages and credit cards, and reasonably delay the repayment period."

  In the specific implementation process, the policies of various banks in different regions may be different.

In reality, however, most people still repay their loans on time.

According to media reports, there is a very important factor - to postpone loan repayment, you need to provide relevant materials to prove it. For users, the loan will have to be repaid sooner or later, and the extension does not mean a reduction or exemption. You have to apply for it separately. Pay off on time.

  For some special cases, banks can be more humane.

Like Mr. Zhang in this news, can the bank further streamline the processing process, including online processing, while actively easing the loan repayment time?

  For users, if the bank's loan repayment policy requires extra errands and some complicated materials to prove, many people may be discouraged and will not apply for it in order to save trouble.

If the bank wants to make the benefits of deferred loan repayment benefit more people in need, it should also reduce cumbersome procedures and provide convenient processing channels.

  Under the epidemic, the livelihood of some people has been temporarily affected, and some people with insufficient savings may be under greater pressure to repay their loans.

As a financial institution, without affecting financial stability, banks should also benefit the people as much as possible and give everyone some room for buffering.

  Chengdu Commercial Daily-Red Star News Special Commentator Xiong Zhi