"Working in Shanghai, 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 the mortgage can be reduced or exempted for half a month." According to China News Network, Recently, a screenshot of "I hope to postpone the mortgage due to the epidemic" was circulated on the Internet, which immediately triggered heated discussions among netizens.

　　According to reports, 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.

However, some banks have clearly expressed their support for "deferred mortgage repayments".

　　It is understandable that the public is concerned about whether to defer mortgage repayments.

Under the normalization of epidemic prevention and control, people's daily economic activities may be affected. Once work is suspended, business encounters obstacles, and income shrinks, it will affect personal consumption loans.

Especially for some groups who are under heavy repayment pressure, they are indeed facing the possibility of making ends meet.

　　At this time, whether it is from the perspective of caring for people's livelihood or from the reality of economic and social development, it is necessary to explore more flexible system changes, such as giving people who have suffered from the epidemic and are carrying mortgages an appropriate grace period for repayment.

Such "moderate relaxation" also reflects the market spirit of "releasing water and raising fish".

　　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 appropriate credit policies for those who are hospitalized or quarantined due to 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. We will flexibly adjust the repayment arrangements for personal loans such as housing mortgages and credit cards, and delay the repayment period reasonably.

　　In late March this year, Bank of China Jilin Branch launched ten measures to fight the epidemic and provide convenience and benefit to the people, including providing a 10-day repayment grace period policy for personal housing and consumer loan customers in the province. For overdue personal customers, after repaying the loan, they can apply for overdue objection processing of credit investigation for them, repair personal credit investigation, and reasonably protect personal credit records.

　　Such a design to relieve stress and restore integrity undoubtedly reflects great institutional goodwill, which is worthy of recognition, and will also bring warmth to those who are "trapped by the epidemic".

　　However, it should also be noted that when banks introduce some loose financial policies, they should also follow the laws and regulations to avoid random generalization and unlimited enlargement.

First, the spirit of contract is the basic consensus of modern society, and one of the important principles is equality and trustworthiness, and fulfilling the contract and fulfilling the promise.

This is not only the embodiment of personal moral standards, but also the spirit of the law.

There should be no hesitation and wavering on this issue.

　　Furthermore, for the abnormal phenomena that do occur due to external force majeure, the relief is not a moral forgiveness or rescue, but an extension of equality and trustworthiness, to relieve its temporary pressure, and to wait for the spring flowers to bloom.

　　Of course, adhering to the bottom line of the rule of law does not mean being indifferent to practical difficulties.

Relief and relaxation under the institutional framework are not only possible but necessary.

Specifically, targeted help should be given to those groups who do experience "circuit breaker" difficulties, such as moderately delayed repayment, interest reduction, etc., but these measures must be linked to other relevant policies that help economic recovery.

　　In addition, it is necessary to coordinate specific and inclusive policies, that is, this permissive loan repayment policy itself provides a choice rather than welfare.

Only in this way, the goodwill from the policy can achieve both "help in the snow" and have universal significance and value.

　　For individuals, this outbreak should also serve as a reminder.

As some netizens pointed out: when taking out a loan to buy a house, it is necessary to consider your own purchasing ability and leave room for risk.

In the face of the epidemic, people's livelihood is inevitably affected.

It is not easy to deal with the management of emotion and law in a reasonable manner.

How to help those "afflicted by the epidemic" to relieve practical difficulties through flexible system changes should be taken into consideration.

　　Long Zhizhu Source: China Youth Daily