How long will the epidemic last? What if there is no income and the loan is not paid back?

At present, it is a controllable period, and the loan has not been discussed. For example, my IOU, the final repayment date is 13, but my salary was delayed due to the epidemic. At this time, I asked the customer service to explain the situation in the evening of 12, and the customer service said that it could be postponed and returned next month. After the repayment date, the IOU interface will still show overdue, but the customer service clearly stated that it could not be collected.

Need to prepare: ID card, delayed payment of wages or unemployment certificate, handwritten application for extension certificate, and so on (if there is no phone bill, it can be ignored).

On the 4th of every month, car loan 4522, online loan 4362, credit card, a messy month, repayment 10000. I had no income from working alone, so I had to spend it, but I turned it upside down in a month, and finally I couldn't help but pay the minimum repayment in installments. I hope the epidemic will pass quickly or I will be poorer.

The epidemic in 2020 made everyone reflect: when you can't work for three to six months, how long can you last [covering your face]

I still have a mortgage, a credit card to pay and rent to pay. To tell the truth, from 28th of 2008 to 8th of 2008, 10 felt ok, and all kinds of expenses started from 5th of 2008. I have to find a way to make up the mortgage (fortunately, I have a sideline, and my family has about 200 yuan every day). I discussed with the landlord that the rent can only be paid late and can't be paid next month. All right [tears running]

I go out (buy food) every three days in Guangzhou. Today is February 18. I hope the epidemic situation will get better soon, otherwise the pressure of life will increase.

Come on, China, come on, Wuhan

In the past two days, many enterprises have started work one after another. Last week, Big Brother Cai joined the army of returning to work. The company works from home, so that everyone must take preventive measures at home. Fortunately, my mother prepared enough food for me when I came back. Although the impact of the epidemic has not completely subsided, some enterprises have reached the point where they have to start work. Recently, some netizens ridiculed: "At first, it was only delayed until February 3, and later it was notified that construction started in February 10, and later it was delayed until February 14. If it's still delayed, I won't have to go back to work! " When I used to go to work, I always thought that if I didn't go to work one day, I would go home and watch TV, knock melon seeds and chat with my family. It is rare to have such an opportunity this year. Many people are afraid to go out at home. They can watch TV and chat with their families every day. The first few days felt good, but after a long time, I found that such days were not as interesting as I thought. What's more, even if the project has not started, the mortgage and credit card money should be paid back. Due to the pneumonia epidemic, many people can't go to work, and their income is affected to varying degrees. Some people will not be able to repay their bank loans. What if there is no money to repay the loan?

In response to this problem, the state has also issued relevant policies, and those in need can postpone the repayment appropriately, that is to say, as long as you meet the conditions, your mortgage and credit card can be postponed. So what are the requirements for deferred repayment? The China Banking Regulatory Commission issued the Notice, saying that for those who temporarily lost their livelihood due to the epidemic, the credit policy should be appropriately tilted, the repayment arrangements of personal credit such as housing mortgage and credit card should be flexibly adjusted, and the repayment period should be reasonably postponed.

Obviously, these four types of people can have a reasonable mortgage extension:

One is infected.

Second, the prevention and control of epidemic situation needs to isolate observers.

The third is the personnel involved in the epidemic prevention and control work.

Fourth, people who have temporarily lost their source of livelihood due to the epidemic.

At the same time, a number of banks have said that if the repayment is overdue due to the epidemic, the bank will not be regarded as a breach of contract and will not be included in the credit information. So if our income is affected by the epidemic, we can apply to the bank for an extension. It is indeed overdue. As long as it is affected by the epidemic, it will not be recorded in the credit report. Now that the whole people are fighting the epidemic, this move by the state is still very warm to the house slaves. I wish the epidemic would pass quickly. Under the epidemic situation, enterprises are struggling to survive. Now many netizens are waiting for the notice of resumption of work, but others are waiting for the notice of layoffs. After Xibei showed that it was difficult to operate, the king of karaoke in Beijing, which once spent 2.4 million yuan on Wang Sicong overnight, became the first enterprise to collapse in this epidemic winter, and thousands of employees lost their jobs overnight.

I have to say that this epidemic has had a great impact on all walks of life, but it has undoubtedly dealt a huge blow to the entertainment, catering and tourism industries. Recently, some cinemas have been forced to sell snacks and drinks in stock at a discount. Under the influence of the epidemic, all walks of life have been affected, especially offline, and stock funds in the investment market have also fluctuated greatly. However, online education is really popular in the recent epidemic. Many schools have postponed the start of school and suspended classes to continue their studies, and the shares of related companies have even risen by nearly 40%. It is estimated that online education will become more and more popular after this epidemic.

This year's boxer market is not very stable, and it is difficult to have another bull market like 20 19. I suggest you travel in a light warehouse and control the risks. Finally, I want to share my next experience with you. Recently, when I returned to work in Changsha, the community was blocked. I have to get a health certificate from my hometown neighborhood Committee before I can go in, and I have to take my temperature for disinfection. Now is the critical period of War of Resistance against Japanese Aggression outbreak. Everyone must be well protected at home and on the way to work. When going out, they must wear masks and prepare extra food at home. At present, the supply of masks is in short supply, and one is hard to find. Don't wear a mask when you go out, and wear less masks when you go out! However, financial friends who don't have enough masks at home don't have to panic too much. On February 1 1, the relevant departments stipulated that enterprises should be equipped with disinfectant, temperature guns and other materials, and distribute protective equipment such as masks to employees. There is no need to hoard a large number of masks, because with the promotion of resumption of work and production, the output of masks should gradually increase, and masks have a shelf life. If you hoard so much, it will be useless and wasted after the shelf life.

Because of novel coronavirus, many people can only rest in their own homes, with no source of income and no repayment of loans. Fortunately, people don't have to worry now. The state has regulations. 654381October 27th, the CBRC issued the Notice on Strengthening Financial Services of Banking and Insurance Industry to Cooperate with the Prevention and Control of Pneumonia Infection in novel coronavirus, requiring the banking and insurance industries to implement epidemic prevention and control requirements and strengthen financial services.

It is worth noting that for those who have temporarily lost their sources of livelihood due to the epidemic, the Notice clearly puts forward appropriate credit policies, flexibly adjusts personal credit repayment arrangements such as housing mortgages and credit cards, and reasonably delays the repayment period. This means that due to the epidemic, we can't repay bank credit cards and mortgages, so we don't have to worry too much. Under the situation that the people of the whole country have successfully defeated the virus epidemic, local banks will postpone the repayment of loans in accordance with the regulations of the CBRC. Otherwise, financial institutions will be punished.

Therefore, we don't have to worry about being unable to repay credit cards and mortgages because of the epidemic. The most important thing now is to have more ventilation at home, wash your hands more and go out less. It doesn't matter if you don't go to work to make money now. However, through this incident, we also found some problems: First, the leverage ratio of China residents' families is too high, which makes them very passive and embarrassed when encountering emergencies such as the epidemic, and 80% of families bear high mortgage.

Therefore, in 2020, we should reduce high leverage and return to a rational state. At present, the household debt-to-income ratio of China people has reached 12 1.6%, which is already very high. To make matters worse, 77% of China's household wealth is real estate, and only 23% is financial assets. Everyone staked their future family assets on the house. Once you lose your income, you have to pay back your previous loan, and you are often urged to pay off your debts. Life will be very difficult.

Furthermore, even if the bank allows you to delay the repayment of mortgage and credit card loans, at present, China people generally have a low income level, like to make ends meet, and their savings are not much. The average family pays the mortgage or credit card debt every month, and there is not much left every month. If they really stay at home for a few months, I'm afraid a large proportion of families can't support themselves. In other words, most young families in China have little savings, and their ability to cope with emergencies is relatively weak.

Finally, even if some families still earn tens of thousands of yuan, it depends on the price level. If they don't go out to work or stay at home for a long time, and the domestic inflation level is rising gradually, it is estimated that the savings of ordinary families will not last long. Therefore, we should not only appropriately postpone the mortgage repayment period of buyers, but also control domestic housing prices. Monetary policy should not be too loose, but also consider the stability of prices and exchange rates.

There is an epidemic in novel coronavirus, which is an emergency. The China Banking Regulatory Commission has also issued relevant documents, so that people who stay at home in the hardest hit areas can delay the repayment of loans as appropriate, which also reflects the determination of the people of the whole country to fight against the coronavirus epidemic. However, through this virus epidemic, we have also seen that the debt ratio of domestic residents is a bit too high, and the ability of families in China to resist emergencies is weak, so it is necessary to control domestic inflation when the epidemic occurs. We have also been worried that the whole people will increase leverage and young families will not be able to cope with emergencies. In the event of a crisis, many families will face a dangerous situation.

Hello, I'm glad to answer your question. Now the epidemic has entered the second stage. We also see that the number of confirmed cases and suspected cases is declining. I believe that the epidemic will be controlled soon. 20th is the second14th day, and there is great hope that there will be an inflection point on 20th. Please be patient.

Secondly, for those who have lost their income or temporarily lost their income due to the epidemic, according to the regulations of the China Banking Regulatory Commission and the People's Bank of China, more commercial banks have been issued to appropriately tilt their credit policies, flexibly adjust personal credit repayment arrangements such as housing mortgages and credit cards, and reasonably postpone the repayment period. Therefore, if there is no money to repay the loan temporarily, you can call the official customer service phone of the bank to explain and postpone.

At present, the policies introduced by banks are basically to give a grace period of repayment of no more than 30 days and no more than the end of the month; No overdue records are recorded during the grace period, and no penalty interest is charged, such as Industrial Bank, China CITIC Bank and China Bank. Because the delay is only 30 days at most, except Hubei, the rest of the epidemic basically resumed in February 10, and most of the income from the disaster was only about half a month. There are limits to closing villages, roads and communities. After February 10, all normal things will be released.

Of course, it doesn't mean that you will give it directly to the bank. The bank will verify and ask you to provide relevant certificates to prove that you are really affected by the epidemic, resulting in insufficient repayment ability or loss of income. This is why some people's applications will be rejected because they do not meet the requirements.

This epidemic, I believe, has made many people deeply understand two points: (1) You need to work, not work needs you; (2) It is extremely important to ensure proper savings deposits. So save a little or save a little, and you can't always be a moonlight family.

I hope it helps you.

My family also pays 5000 yuan a month, and the repayment date is coming soon. I feel so stressed after buying a house that I have to break my fingers every month to live. Sometimes I really want to sell my house.

This epidemic can be said to have affected everyone, and everyone's situation is different. Some families have deposits to support for a long time, and some families have no deposits, so the family pressure is great. But now the country has also introduced some policies to ensure everyone's life during the epidemic. For example, eligible loans can be postponed. We should also believe in the country and medicine. The epidemic should be over soon. Now some enterprises are gradually resuming production. If you can't go to work during the epidemic, stay at home. Don't trouble the country and the government.

I am born after 60, with low salary, little savings and no habit of spending in advance. I live a plain life, with three meals a day. Anyway, I still hope that the epidemic will end soon and I will devote myself to my normal work. The epidemic has lasted for a long time, which is a disaster for the country and individuals!

For those who have lost their income or temporarily lost their income due to the epidemic, according to the regulations of the China Banking Regulatory Commission and the People's Bank of China, more commercial banks have been issued to appropriately tilt their credit policies, flexibly adjust personal credit repayment arrangements such as housing mortgages and credit cards, and reasonably postpone the repayment period. Therefore, if there is no money to repay the loan temporarily, you can call the official customer service phone of the bank to explain and postpone.

Yes, it's really a headache. I think you can try to borrow some money from websites like Alipay or Jingdong Finance. I hope that the country will quickly introduce some effective policies to protect these people who owe loans due to the epidemic.