The Central Bank and the China Banking and Insurance Regulatory Commission: Encourage independent negotiations on the deferred repayment of mortgage payments in accordance with the law

　　China News Service, November 23rd, on the 23rd, the website of the central bank issued the "Notice of the People's Bank of China and the China Banking and Insurance Regulatory Commission on Doing a Good Job of Financial Support for the Steady and Healthy Development of the Real Estate Market".

The notice proposes to protect the legitimate rights and interests of housing finance consumers in accordance with the law.

Encourage voluntary negotiations in accordance with the law to postpone repayment

of principal and interest .

For individuals who have lost their source of income due to hospitalization or isolation due to the epidemic, or who have lost their source of income due to suspension of business due to the epidemic, as well as personal housing loans due to changes or cancellations of housing purchase contracts, financial institutions can independently negotiate with house buyers in accordance with the principles of marketization and the rule of law. To make adjustments such as postponement, relevant parties must abide by the law and regulations, abide by the contract, and fulfill their commitments.

During this process, financial institutions must do a good job in customer service, strengthen communication, protect the legitimate rights and interests of financial consumers in accordance with the law, and at the same time properly classify assets in accordance with relevant regulations.

Malicious evasion of financial debts shall be dealt with in accordance with laws and regulations to maintain good market order.

Effectively protect the personal credit investigation rights and interests of deferred loans

.

If the repayment arrangement of the personal housing loan has been adjusted, the financial institution shall submit the credit record according to the new repayment arrangement; if it is determined by the judgment or ruling of the people's court that it should be adjusted, the financial institution shall submit the adjustment of the credit record according to the effective judgment or ruling of the people's court. , and those that have been submitted shall be adjusted.

Financial institutions should properly handle relevant credit investigation objections, and protect the credit information rights and interests of information subjects in accordance with the law.

(China New Finance and Economics)