Can the mortgage be extended during the epidemic?

1. Can the mortgage be extended during the epidemic?

During the epidemic period, the mortgage can be postponed, but the relevant situation must meet the population stipulated by the policy. Those who do not meet the above population conditions cannot be postponed. The specific circumstances can also be examined and determined in accordance with the procedures prescribed by law.

1. Can the mortgage be extended during the epidemic? Not all personnel can apply for an extension, which needs to be examined and approved. Affected by novel coronavirus, the whole country has entered epidemic prevention state, with limited travel and delayed construction, which has a great impact on economic life. In order to cooperate with the epidemic prevention and control work, the central bank and other five departments issued the Notice on Further Strengthening the Financial Support for the Prevention and Control Work in novel coronavirus, which made it clear that during the prevention and control of the "novel coronavirus" epidemic, those who have no income and are affected can delay the repayment of their mortgage. Two. Bank-related regulations ICBC: Cosmic ICBC announced that the personal loans, credit card debts and e-loan debts owed by ICBC during the epidemic period were overdue due to inconvenient repayment, which were not regarded as breach of contract and did not enter the list of customers who defaulted. Those who meet the requirements can contact 95588 for manual service application. Bank of China: Due to the epidemic situation, the repayment period can be appropriately delayed for those who temporarily lose their income sources due to the epidemic situation, but the specific situation needs to be confirmed by the local bank outlets or called 95566 for filing. The loan will be postponed for up to 3-6 months, and then the deferred loan will be repaid in one lump sum. Bank of Communications: Bank of Communications also announced that people who have temporarily lost their income sources due to the epidemic can reasonably postpone the repayment period. However, the specific repayment rules have not yet been issued, and it is necessary to contact the bank outlets and account managers for specific operations. China Construction Bank: According to different procedures and requirements, you can consult on the official account of customer service WeChat of CCB. As the specific loan regulations of each branch are different, it is suggested that you can directly contact the loan handling bank to consult personal ordinary loan business during working hours. During the epidemic period, the state has issued relevant policies to apply for delayed treatment according to the actual situation of the parties, but the mortgage is obviously not exempt. If the party concerned cannot repay the loan or delay the treatment due to the epidemic situation, the bank shall determine it according to the relevant evidence.

Second, what regulations does the government have on rent reduction during the epidemic?

All of a sudden, COVID-19's business situation is not as good as before. In order to encourage enterprises to continue to operate, many governments have introduced policies to reduce the rental costs of business premises. Let's follow me to find out.

What are the government's rent reduction regulations during the epidemic?

Beijing

Small and medium-sized enterprises that lease the real estate of state-owned enterprises in Beijing and the region to engage in production and business activities, insist on operating according to government requirements or suspend business according to epidemic prevention regulations, and do not lay off employees or reduce office space will be given February rent.

Rent reduction and exemption for tenants renting other business premises shall be settled by both parties through consultation.

During the epidemic period, the city government will give some financial subsidies to small and medium-sized enterprises that rent houses.

Give priority policy support to small and medium-sized enterprises, university science parks, creative spaces, entrepreneurial bases, cultural industrial parks, audio-visual parks and other carriers that rent houses during the epidemic. Encourage central enterprises in Beijing to refer to the implementation.

Through the "rent-through" policy, eligible small and micro-cultural enterprises will be given rent subsidies.

For supermarkets, convenience stores and other key outlets that are seriously affected by the epidemic or protect the basic livelihood of citizens in the epidemic prevention and control work, the upper limit of support ratio will be raised from 50% to 70%.

If small and micro enterprises in Beijing take rent relief during the novel coronavirus epidemic, they will be given a subsidy of 30% of the total rent relief. The subsidy period is February, 2020 1 day to the end of emergency response to pneumonia in this city.

Shanghai

Small and medium-sized enterprises lease Shanghai's state-owned enterprise business areas, entrepreneurial bases and technology business incubators for two months; For indirect leasing enterprises, it is necessary to ensure that unemployed small and medium-sized enterprises will eventually benefit from rent reduction. Encourage state-owned enterprises to give more profits to small and medium-sized enterprises in negotiations, and acknowledge the related impact of income reduction in performance evaluation. Enterprises that encourage tenants to operate in large commercial buildings, shopping malls and parks to reduce or exempt land rent shall pay property tax, corresponding urban land property tax and urban land use tax.

Guangdong Province

The whole province: private leasing enterprises with state-owned assets as their business premises are exempt from the first month's rent, and the second and third months' rent is charged by half. According to the actual situation, the rent holder can appropriately reduce the rent. For enterprises that have been rent-free for more than two months, tax relief shall be given according to the number of rent-free months.

Shenzhen

Non-state-owned enterprises, scientific research institutions, medical institutions and individual industrial and commercial households that rent properties (including factories, innovative industrial buildings, warehousing and logistics facilities, supporting service buildings, etc.). ) The municipal and district governments will waive the rent for 2 months. Renting public rental housing at the city and district levels, (individuals) will be exempted from 2 months' rent. According to the practice of state-owned enterprises, actively encourage and advocate community shares to reduce property rents.

Jiangsu Province

During the epidemic, the monthly rent of leasing state-owned enterprises will be halved in March-April; Encourage all kinds of parks, small and micro enterprise dual-innovation bases, technology business incubators and other carriers to take the lead in reducing the rent of small and medium-sized enterprises. According to the actual situation, all localities can determine the period or amount of rent reduction and exemption, and give priority to policy support and appropriate financial subsidies to the carriers that take the lead in rent reduction and exemption. Encourage social capital to build large commercial buildings, shopping malls and other business premises to reduce the rent of small and medium-sized enterprises, and all localities can give appropriate financial subsidies to leasing enterprises that take rent reduction measures.

Zhejiang Province

For enterprises engaged in production and business activities that lease state-owned assets for operating real estate (including various development zones and industrial parks, specialized markets, industrial workshops, entrepreneurial bases, incubators for scientific and technological enterprises, etc.), the rent in February and March will be exempted. For leasing other business premises, the owner (landlord) is encouraged to reduce or exempt the rent for the tenant. Give priority to the carrier policy support such as rent reduction and exemption development zones and industrial parks.

Anhui province

For small and medium-sized enterprises (including individual industrial and commercial households) that lease the business premises of state-owned enterprises or the property rights of administrative institutions, the rent for three months (February, March and April, 2020) will be exempted. For renting other business premises, the owner (landlord) is encouraged to reduce the rent for the lessee, which shall be determined by both parties through consultation. During the epidemic period, priority will be given to policy support for entrepreneurial bases, entrepreneurial parks, technology business incubators and other carriers that reduce or exempt rents for SMEs. Small and medium-sized enterprises that rent houses during the epidemic period are encouraged to give certain financial subsidies to enterprises that reduce rents.

Shandong Province

For small and medium-sized enterprises that lease real estate operated by state-owned enterprises, the rent for 1-3 months can be reduced or halved; Small and medium-sized enterprises that have difficulties in paying funds may postpone the collection of rent, and the specific collection period shall be determined by both parties through consultation. For renting other business premises, the owners (landlords) are encouraged to reduce or waive the rent for tenants, and the reduction or exemption of business premises with reference to state-owned assets shall be settled by both parties through consultation.

During the epidemic period, the provincial-level business incubation demonstration bases and demonstration parks that lease small and medium-sized enterprises with rent reduction and exemption will be given operating subsidies for up to 3 months. The subsidy standard is 30% of the total rent reduction, with a maximum of 500,000 yuan. The required funds shall be paid from the provincial entrepreneurship-driven employment support funds. Municipalities can formulate municipal business incubation bases and park operation subsidies.

Fujian Province

For small and medium-sized enterprises that lease state-owned operating real estate, the rent can be waived or halved for about 3 months.

For the national and provincial business incubation bases that rent for small and medium-sized enterprises is reduced or exempted during the epidemic period, the operating subsidy shall be given for not less than 3 months, and the subsidy standard shall be 30% of the total rent reduction or exemption.

Tianjin

Small and medium-sized enterprises and public supporting vegetable markets that lease state-owned assets are exempted from three-month rent and charged at half. For leasing other business premises, the owners are encouraged to reduce or waive the rent for the tenants, and the rent shall be settled by both parties through consultation.

Chongqing

During the epidemic period, small and medium-sized enterprises leased state-owned assets for rent reduction and exemption of business premises 1 to 3 months. Encourage large commercial buildings, shopping malls and market operators to moderately reduce the rent of small and medium-sized micro-tenants during the epidemic, and all districts and counties can give appropriate financial subsidies to leasing enterprises that take rent reduction measures.

Sichuan Province

For small and medium-sized enterprises that lease state-owned assets for operation, the rent of 1-3 months will be reduced or exempted. Operators of large commercial buildings, shopping malls and comprehensive markets are encouraged to reduce or exempt rents for small and medium-sized enterprises during the epidemic period, and all localities can give appropriate financial subsidies to owners who reduce or exempt rents.

Hubei province

For small and medium-sized enterprises that lease state-owned assets for operation, three-month rent is exempted and six-month rent is charged at half.

Encourage all kinds of small and medium-sized enterprises to develop carriers during the epidemic period in order to reduce the rent and other related expenses of leasing enterprises.

For the provincial demonstration bases of SME entrepreneurship and innovation, the provincial finance will give subsidies according to no more than 50% of the total rent reduction and exemption, and the total subsidy for each base will not exceed 2 million yuan.

Henan Province

For small and medium-sized enterprises that lease state-owned assets and cannot operate normally due to the epidemic, the rent of 1 month will be exempted, and the rent of 2 months will be charged by half, and the rent already charged will be refunded.

Encourage other real estate leasing institutions to appropriately reduce or exempt rents for small and medium-sized enterprises.

Jiangxi province

Enterprises that lease state-owned assets for production and operation are exempt from paying 1 month rent, and are charged 2 months rent at half. For leasing other business premises, the owners are encouraged to reduce or waive the rent for the tenants, and the rent shall be settled by both parties through consultation. Give priority to policy support to various carriers such as pioneer parks, technology business incubators, and business incubation bases, and reduce rents for leasing small and medium-sized enterprises during the epidemic.

Hebei Province

Small and medium-sized enterprises leasing state-owned assets in catering, accommodation and department stores are exempt from 1 month rent, and charge half a month rent. Encourage large commercial buildings, shopping malls and market operators to moderately reduce rents during the epidemic.

Shanxi province

For small and medium-sized enterprises that lease state-owned assets for operation, the rent in February and March 2020 will be exempted. For renting other business premises, the owners (landlords) are encouraged to reduce or waive the rent for the tenants, which shall be settled by both parties through consultation, and the local government may also give subsidies in an appropriate way.

Inner Mongolia Autonomous Region

Small and medium-sized enterprises that lease state-owned assets as business premises are exempt from 2 months' rent. Encourage large commercial buildings, shopping malls and market operators to moderately reduce the rent of small and medium-sized enterprise tenants during the epidemic period, and all regions can give appropriate financial subsidies and policy support to leasing enterprises that take rent reduction measures.

Heilongjiang province

Encourage large commercial buildings, shopping malls, market operators and other owners (landlords) to moderately reduce the rent of small and medium-sized tenants during the epidemic. Small and medium-sized enterprises that lease state-owned assets for operation are exempt from paying 1 month rent, and are charged 2 months rent at half. During the epidemic, the entrepreneurial carrier of small and micro enterprises that have been guided to enjoy financial support policies took the lead in reducing the rent of leasing small and micro enterprises.

Priority will be given to providing policy support to various carriers such as pioneer parks, technology business incubators, and entrepreneurial innovation bases that reduce or exempt the rent of small and medium-sized enterprises during the epidemic.

Jilin province

Small and medium-sized enterprises that lease state-owned assets for business premises during the epidemic period can reduce or halve the rent of 1 to 3 months. Encourage large commercial buildings, shopping malls and small and medium-sized enterprises that have enjoyed financial support policies to take the lead in reducing or exempting the rents of leasing business entities, and encourage other private enterprises to reduce or exempt the rents of tenants.

Priority will be given to the policy support of reducing or exempting the rental of small and medium-sized enterprises during the epidemic period, such as pioneer parks, technology business incubators, business incubators, and returning business bases.

Liaoning province

Small and medium-sized enterprises that lease state-owned assets for operation are exempt from paying 1 month rent, and are charged 2 months rent at half. Give priority to policy support to various carriers such as pioneer parks, technology business incubators, and entrepreneurial innovation demonstration bases, and reduce rents for leasing small and medium-sized enterprises during the epidemic. For renting other business premises, the owner (landlord) is encouraged to reduce the rent for the tenant, which shall be settled by both parties through consultation.

Ningxia autonomous region

Small and medium-sized enterprises that lease state-owned assets for operation will be reduced by 50% in June 5438+ 10, and rent-free in February-March. Owners such as commercial blocks and commercial buildings will be encouraged to reduce rents for tenants.

Guangxi province

Operators of large commercial buildings, shopping malls and markets are encouraged to moderately reduce the rent of commercial service enterprises, and commercial service enterprises that rent state-owned assets for production and operation are exempted from paying 1 month rent and charged two months rent by half.

Hainan province

Small and medium-sized enterprises that lease state-owned (including collective) assets for business premises will be free of rent in the first quarter of 2020. Three. The State Council's relevant regulations on slow loan during the epidemic?

1 the State Council in February, 2020 12 issued the Notice on Further Improving Financial Support for Epidemic Prevention and Control and Resumption of Work, and put forward the policy of postponing the principal and interest of corporate loans.

The purpose of this policy is to alleviate the business difficulties of enterprises and support enterprises to resume work and production. Specific measures include: delaying the repayment period of principal and interest of mortgage loans and operating loans, and reducing the repayment pressure of enterprises.

In addition, various localities have also taken some specific measures according to the actual situation. For example, in some areas with serious epidemics, policies such as interest-free loans have been introduced to encourage enterprises to actively resume work and production.

In a word, the State Council's regulations on slow loan during the epidemic period are aimed at supporting enterprises to resume work and production, and alleviating their operational difficulties. Specific measures include delaying the repayment period of loan principal and interest.