Original title: What should I do if I encounter difficulties in repaying my mortgage during the epidemic?
These 14 banks have given a plan
Since the outbreak of the new crown epidemic in Shanghai and other places, "the pressure of mortgage repayment" has become the focus of attention.
In this regard, some commercial banks have introduced some countermeasures.
The Paper reporters learned from interviews with 14 major commercial banks that those hospitalized or quarantined due to infection with new pneumonia, staff participating in epidemic prevention and control, and customers whose cash flow has been affected by the epidemic can apply for deferment of repayment, extension of Loan term, etc., to ease mortgage repayment pressure.
In terms of state-owned banks, ICBC Shanghai Branch stated that during the epidemic, personal loan customers are advised to repay through online channels such as online banking and mobile banking.
For customers who are temporarily difficult to repay due to the impact of the epidemic, the bank can adjust the repayment arrangement according to the actual situation and customer's application, delay the repayment period, and ease the customer's repayment pressure.
As for the specific repayment arrangement, the relevant person said that it should be adjusted according to the circumstances of the case.
Since the outbreak of the new crown epidemic in early 2020, China Construction Bank Shanghai Branch has issued relevant service policies such as deferred repayment during the epidemic for personal housing loans, personal consumption loans and other businesses, and has continued to this day.
The scope of applicable customers of the policy mainly includes five categories:
1. Those who are hospitalized or quarantined due to infection with new coronary pneumonia, and those who need to be quarantined and observed for epidemic prevention and control;
2. Staff participating in epidemic prevention and control, including medical workers, military police, street community workers and government staff participating in epidemic prevention and control;
3. Customers who temporarily lost their source of income due to the epidemic;
4. Small and micro business owners, individual industrial and commercial households and farmers in industries that have been greatly affected by the epidemic;
5. Other types of customers who have difficulty in repayment due to objective reasons such as city closures and road closures and non-opening of business outlets.
For the above-mentioned personal loan customers, CCB Shanghai Branch mainly provides three types of adjustment services. One is short-term deferral of repayment for up to 28 days. During the deferment period, no collection will be collected and credit investigation will not be affected; the other is to adjust the billing plan according to the If customers are affected by the epidemic, they can choose to adjust the billing plan in stages, reduce the current installment repayment amount, and postpone the repayment to a later month; the third is to extend the loan period, extend the overall loan period, postpone the due date, and reduce the instalment repayment. Forehead.
For customers who are affected by the epidemic and meet the conditions for deferred repayment, credit protection measures have also been implemented, and a green channel for acceptance of credit objection has been opened to provide customers with a channel to quickly handle objection applications, and fully protect the rights and interests of customers.
In practice, some customers mistakenly believe that deferred repayment does not need to repay the interest corresponding to the unpaid loan principal during the deferred period.
In this regard, CCB Shanghai Branch stated that when accepting applications from customers, it will explain in detail that the interest on the deferred loan principal will be calculated normally, and it will be repaid in installments during the future repayment period, which may cause the interest to be higher than before after the normal repayment is resumed. increase, and show customers the detailed repayment schedule to avoid misunderstandings.
Bank of China has specially issued a package of personal housing loan guarantee policies including online repayment through mobile banking, extension of loan term, delayed principal and interest repayment, and setting of preferential repayment period to guide branches in key areas of epidemic prevention and control such as Shanghai and Jilin. The institution actively responded to customer demands, implemented policy arrangements for people who were hospitalized or quarantined due to infection with the new crown, participated in epidemic prevention and control staff, and customers who temporarily lost their source of income due to the epidemic, and continued to provide financial services to the social and people's livelihood areas affected by the epidemic.
The Shanghai Branch of the Agricultural Bank of China implemented a differentiated credit policy for personal mortgage loans affected by the epidemic.
First, customers who are under repayment pressure due to the impact of the epidemic can delay repayment by extending the loan grace period and adjusting the repayment cycle to ease the repayment pressure in the near future.
Second, under the premise of complying with laws, regulations and regulatory requirements, for the staff participating in the epidemic prevention and control, the overdue mortgage due to non-personal subjective reasons during the epidemic will not be regarded as a default for the time being, and will not be included in the list of defaulting customers. penalty interest.
The third is that for other overdue mortgages due to the impact of the epidemic and non-personal subjective reasons, it may not be regarded as a default, not included in the list of defaulting customers, and no penalty interest will be charged.
Bank of Communications Shanghai Branch stated that for medical staff, government staff, confirmed patients, quarantined persons, or other personal mortgage customers who have temporarily lost their source of income due to the epidemic, they will provide repayment to customers after verifying the relevant situation. The grace period extends the relief service, giving mortgage customers a repayment grace period of up to 3 months to ease the repayment pressure of mortgage customers.
In terms of specific operation, the extension of the grace period during the epidemic period is subject to the declaration of the customer himself, and relevant certification materials such as work certificate, neighborhood committee certificate, enterprise certificate, etc. can be provided, explaining that the reason for the application is affected by the epidemic.
Bank of Communications Shanghai Branch will reasonably determine the specific grace period for a single loan based on the actual situation of the mortgage customer, with a maximum repayment grace period of 3 months.
For loans with a grace period for repayment, repayment within the grace period will not affect the PBOC's credit record.
Postal Savings Bank of China provides mortgage loan customers who are hospitalized or quarantined due to infection with new coronary pneumonia, who participate in epidemic prevention and control, those who need to be quarantined for epidemic prevention and control, and who temporarily lose their income source due to the epidemic. Deferred repayment for up to 6 months Serve.
While promulgating the mortgage loan deferred repayment policy, the Postal Savings Bank strictly implements the credit rights protection policy, and clarifies that for the above four types of mortgage customers who are inconvenient to repay due to the impact of the epidemic, they can assist in the adjustment of the overdue credit records related to the epidemic to fully protect Customer credit rights.
A number of joint-stock banks and city commercial banks have also introduced corresponding measures.
Industrial Bank Shanghai Branch provides three support measures for those hospitalized or quarantined due to infection with new pneumonia, staff participating in epidemic prevention and control, and customers whose cash flow has been affected by the epidemic. Repayment grace period; the second is to provide personal business loans for small and micro enterprises with “Lianliandai” loan renewal service without principal repayment, and small and micro enterprises and individual industrial and commercial households who are temporarily stuck can apply for an extension of the loan period; the third is to provide mobile phones for mortgage customers The bank handles the repayment of "payment with salary" online, and the loan principal can not be repaid for up to 3 years, which relieves the repayment pressure.
The bank has notified existing mortgage customers of information through the WeChat public account and enterprise WeChat peer-to-peer push.
At the same time, the bank will provide credit protection to customers who have temporary difficulties in repayment due to the epidemic, and submit credit records in accordance with the adjusted repayment arrangement to avoid damage to credit records.
China Merchants Bank Shanghai Branch stated that the bank actively cooperated with the local government and regulatory authorities to keep abreast of the financial service needs of the people and enterprises affected by the epidemic, and provided them with a number of loan extension services including repayment date changes and existing loan renewals. In the future, the government will strictly implement the relevant requirements of the government on improving the credit repair mechanism, and actively assist enterprises and individuals affected by the epidemic to carry out credit repair work.
China Everbright Bank Shanghai Branch provides loan customers with repayment pressures affected by the epidemic, especially small and micro business owners and individual industrial and commercial households, with a grace period of up to 90 days to avoid damage to customers’ personal credit records.
At the same time, it provides an online financing product - "Light Speed Loan" for customers who have been closed at home due to the epidemic, and tries its best to ease the financial pressure of customers during special periods by realizing the functions of mobile phone withdrawal and on-the-fly repayment.
China CITIC Bank Shanghai Branch quickly introduced supporting measures related to personal loans in terms of personal loans. For customers who are unable to repay on time due to the impact of the epidemic, a grace period will be arranged according to the customer's application, and the repayment period will be reasonably postponed.
Ping An Bank Shanghai Branch has corresponding relief measures for people diagnosed with new coronary pneumonia, asymptomatic infections, staff participating in epidemic prevention and other people who have temporarily lost their income due to the epidemic. Interest and penalty interest will be paid according to the severity of the epidemic. Reduction and exemption policy; credit protection is provided for customers who have temporary repayment difficulties due to the epidemic.
The plan can be implemented according to the customer's application and corresponding supporting materials.
Zheshang Bank's deferred repayment policy for customers affected by the epidemic is applicable to those who have temporary difficulties in repayment due to the government's announcement of epidemic city control or classified as medium and high risk areas, who are unable to work, are infected or are quarantined, or participate in anti-epidemic reasons.
Upon the customer's application, our bank provides deferred repayment services for personal housing mortgages, personal consumption loans, special installments, credit cards and other products with a maximum grace period of 3 months (or 3 installments). Affect customer credit records.
The Bank of Nanjing also stated that for medical staff and related personnel participating in the prevention and control of the epidemic, as well as people who have temporarily lost their source of income due to the epidemic, they can apply to the bank for adjustment.
During the epidemic period, if my loan is overdue, I can apply for credit information adjustment. If the bank determines that it is eligible, the overdue month can not be regarded as a default; if my loan is not overdue, I can apply to adjust the loan to be transferred overdue date .
Shanghai Rural Commercial Bank has formulated relevant policies in the early stage to provide certain repayment grace period and credit relief support for retail loan customers and credit card customers whose repayment ability has temporarily declined due to the impact of the epidemic.