The five major banks responded whether the mortgage repayment could be postponed due to the epidemic.

The five major banks responded whether the mortgage repayment can be postponed due to the epidemic

The five major banks responded whether the mortgage repayment can be postponed due to the epidemic. Yesterday, # It is necessary to put the mortgage repayment on the agenda due to the epidemic # The topic went straight to the top of the hot search, and many netizens asked whether the mortgage repayment period could be postponed. The five major banks responded whether the mortgage repayment could be postponed due to the epidemic. The five major banks responded whether the mortgage repayment can be postponed due to the epidemic. 1

What if some people are affected by the epidemic and cannot repay their mortgages on time? The five major banks of industry, agriculture, China, construction and communications responded exclusively to Xinhua News Agency on the 7th, offering service support to individual housing loan customers affected by the epidemic, including delaying repayment time, extending loan term and adjusting bill plan.

Industrial and Commercial Bank of China said that for personal loan customers affected by the epidemic, it will provide personal loan deferred repayment service support. During the deferred repayment period, customers will not be included in the list of defaulting customers, and at the same time, it will protect customers' credit information and continuously strengthen customer service.

The Agricultural Bank of China said that all customers who meet the relevant requirements can enjoy the customer care policy for personal housing loans if they ask for delaying repayment time, reducing penalty interest and eliminating overdue credit records due to the epidemic. Customers can directly contact the loan handling bank or the account manager to inquire about the relevant handling conditions and procedures. You can also call the customer service center of ABC, and the customer service staff will collect the information and send it to the customer loan handling bank.

Bank of China said that it has specially issued a package of personal housing loan guarantee policies, including online repayment by mobile banking, extending the loan term, delaying the repayment of principal and interest, and setting a preferential period for repayment, to guide branches in key areas of epidemic prevention and control such as Shanghai and Jilin to actively respond to customers' demands, and to implement policy arrangements and continue to provide financial services in the social and people's livelihood areas affected by the epidemic for those who are hospitalized or isolated due to COVID-19 infection, those who participate in epidemic prevention and control, and those who have temporarily lost their sources of income due to the epidemic.

China Construction Bank said that since the outbreak of Xinguan pneumonia, CCB has issued related service policies such as deferred repayment during the epidemic period for housing mortgage, consumer loans and other businesses, and has continued to this day.

it mainly provides three types of services: first, short-term repayment is delayed for up to 28 days, and no collection will be made during the extended period, which will not affect the credit investigation; The second is to adjust the billing plan. According to the epidemic situation in various places, the bill plan can be adjusted in stages, so as to reduce the repayment amount in the current period and postpone the return of the reduced part to the next month; The third is to extend the overall term of the loan, postpone the maturity date and reduce the installment repayment amount.

the bank of communications said that the policy of helping mortgage loan customers during the epidemic period was introduced from the beginning of the new crown pneumonia epidemic, allowing a certain grace period for customers whose repayment ability was temporarily reduced due to the epidemic. Focus on medical staff, government workers and their spouses who participate in epidemic prevention work, diagnosed patients, isolated people, and employees in industries that are greatly affected by the epidemic. Customers can apply to the branch where the loan belongs, and all branches will review it according to the policies of the Head Office, and give a certain grace period to those who meet the conditions. The five major banks responded whether the mortgage repayment could be postponed due to the epidemic. 2

Recently, Shanghai was affected by the epidemic, and many netizens asked whether the mortgage repayment period could be postponed. Does not paying the mortgage have an impact on credit reporting?

Yesterday, # It is necessary to put mortgage repayment on the agenda because of the epidemic # The topic went straight to hot search first, which caused a heated discussion among netizens.

At present, some banks have made it clear that it can be delayed.

Netizen asks for help: I hope to delay the loan repayment

On April 3, Gansu netizen Mr. Zhang posted a message for help on the Internet, saying that Jingyuan County, Baiyin City, where he lives, had been closed for more than ten days due to the epidemic. He can't go out for a living by odd jobs on weekdays, so he has no income for the time being, his wife is unemployed, and his children are only two months old. Not only can he not repay his mortgage and car loan, but his life has also encountered difficulties. I hope to contact the local government and banks and negotiate to postpone the repayment time.

On the afternoon of the same day, a reporter from The Paper called Jingyuan Sub-branch of Industrial and Commercial Bank of China, where Mr. Zhang handled the housing loan. A staff member of the bank's credit department said that if Mr. Zhang did have no income due to the epidemic, he could postpone the repayment time. Mr. Zhang can go to the bank to submit the application certificate in writing after the epidemic is closed, and go through the formalities of delaying repayment, which can be delayed for up to 6 months.

The policies in Shanghai and other places are expected to be released in the near future

So, can all the mortgages that cannot be repaid due to the epidemic be postponed smoothly?

According to Red Star News, a customer service staff member of CITIC Bank said that due to the epidemic, it can apply for the policy of delaying mortgage. At present, the bank has received notices from Suzhou, Fuzhou, Shenzhen and parts of Hebei.

the customer service said that according to past experience, relevant policies may be released in Shanghai, Changchun and other regions in the next week. "We will formulate corresponding policies according to the epidemic situation, but the policies have a certain lag." The customer service explained.

Subsequently, the reporter called the customer service numbers of eight banks, including China Construction Bank and Agricultural Bank. Judging from the survey results, at present, the customer service of the Postal Savings Bank, Bank of Communications and Industrial and Commercial Bank of China clearly stated that "it can be delayed due to the impact of the epidemic."

"You can tell us about your specific situation. After we register, we will feed it back to the loan center, and they will talk to you specifically about how to apply." A customer service of ICBC said. As for the time limit for applying for extension, a customer service of the Postal Savings Bank told the reporter: "It depends on the specific situation."

The customer service of five banks, including China Construction Bank and Agricultural Bank, said that they had not received the notice. However, they revealed that they can specifically consult the loan manager and the handling outlets whether they can handle it. A customer service of China Bank said, "According to the information we inquired, Jilin citizens can apply for it, but Shanghai has not yet."

add a green channel for credit objection

will the delay in repayment affect credit reporting?

The staff of China Bank said that if the customer really can't repay the loan on time due to the epidemic, and it affects the personal credit information, after the overdue debts are paid off, they can submit proof materials to the loan handling bank for credit information repair.

The staff of Shanghai Branch of China Construction Bank also said that customers who can't repay normally due to special reasons such as epidemic situation can take the green channel of credit information objection and apply for the elimination of bad credit information.

For customers who are not in areas with severe epidemic situation, but have temporary financial difficulties and repayment difficulties due to quarantine, suspension of production and other epidemic prevention requirements, some banks said that they can hold a single discussion and need to contact the lending bank themselves. After specific examination, if the epidemic situation really causes and meets the conditions for delaying repayment or canceling bad credit information, they can also handle it.

In terms of corporate credit, state-owned banks such as Industrial and Commercial Bank of China and Bank of Communications told reporters that enterprises that are seriously affected by the epidemic and have development prospects but encounter temporary difficulties during the epidemic should adopt loan grace measures, increase credit support for key areas, and reduce corporate financing costs by lowering interest rates.

As early as the beginning of 22, the People's Bank of China, the Ministry of Finance, China Banking and Insurance Regulatory Commission, the China Securities Regulatory Commission and the State Administration of Foreign Exchange jointly issued the Notice on Further Strengthening Financial Support to Prevent and Control the Pneumonia Epidemic in novel coronavirus, requiring financial institutions to improve financial services in the social and people's livelihood areas affected by the epidemic.

for those who are hospitalized or isolated due to new pneumonia infection, those who need to be isolated for epidemic prevention and control, those who participate in epidemic prevention and control, and those who temporarily lose their income sources due to the epidemic, financial institutions should appropriately tilt their credit policies, flexibly adjust personal credit repayment arrangements such as housing mortgage and credit card, and reasonably postpone the repayment period.

You can report to the higher authorities first.

What should I do if there is a dispute with the bank?

official website, the People's Bank of China, once published a case. On February 1, 22, Bao called the 12363 call center in a province and said that his credit card repayment date at G Bank was February 5, because he temporarily lost his income source due to the epidemic, and he could not repay on time.

Bao called the customer service phone of G Bank on February 5 to apply for deferred repayment, but on February 9, he received a credit card bill showing that he was still deducted from the penalty, and on February 1, he received a call back from the customer service asking to go to the bank outlet to discuss the deferred repayment.

because he was temporarily unable to go out during the epidemic, Bao called 12363 in the hope of applying for a one-month extension of repayment, and requested that his personal credit record should not be affected by the extension of repayment.

a central branch of the people's bank of China immediately transferred to bank g after receiving the complaint. G Bank attached great importance to the complaint, and handled it as follows after verification: the repayment date of customer Bao's credit card is February 5, with a grace period of 3 days, and the system has collected a penalty of 92.62 yuan on February 8.

As the G bank system does not support the credit card deferred repayment function for the time being, customers who are inconvenient to repay due to the isolation of the epidemic can be provided with loan restructuring business and rescheduled according to the relevant provisions in the documents of the head office of G bank. And according to the customer's application and relevant supporting materials, the relevant interest fee reduction and exemption procedures will be handled after verifying the situation. "Customers can go to bank outlets to handle related business after the epidemic." The five major banks responded whether the mortgage repayment can be postponed due to the epidemic. 3

Recently, many citizens sought help online, hoping to delay the mortgage repayment period. # Is it feasible to postpone the mortgage repayment due to the epidemic? # The topic also appeared in Weibo Hot Search. At present, different banks have different responses to this problem: some banks say they can consider it, some banks can't, some banks can do it in some places, and others can't (according to the news of Beijing Youth Daily on April 6).

can the epidemic influence constitute an exemption for delaying repayment? Legally speaking, according to Article 18 of China's Civil Code, those who cannot perform their civil obligations due to force majeure shall not bear civil liability. What is force majeure? According to the Civil Code, force majeure is an unforeseeable, unavoidable and insurmountable objective situation.

Generally speaking, natural disasters, wars and disastrous accidents all meet the above conditions. Compared with the current epidemic situation, the characteristics of "three noes" are still quite remarkable. From the actual situation, the epidemic situation has a great impact on some industries and their practitioners, resulting in a temporary decline in their income and the inability to repay loans on time (delay in performance), which may indeed exist. Therefore, if the property buyers are unable to repay the loan on time due to the epidemic, it is legal and reasonable.

But there is another side to the problem. Large-scale mortgage default may not only affect the stability of individuals and families, but also bring a certain degree of impact on banks and real estate. Therefore, loan banks generally use the credit information system to track the repayment of loans by buyers in time and urge them to fulfill their obligations on time. As a commercial bank employee said, a one-day delay in mortgage repayment will affect the credit record, and a three-month delay will start the proceedings. Under the "dilemma", it is easy to understand that different banks have different attitudes towards deferred loan repayment applications.

on the one hand, it is the real difficulties of buyers, and on the other hand, it is a huge credit pressure. How to coordinate? We may need a more clear, pragmatic and responsible attitude. For those who really can't repay the loan on time due to the epidemic, let alone record it in the credit report. Even if a lawsuit is filed, force majeure is a legal and legitimate exemption.

it should be noted that, regardless of the specific circumstances and reasons, it is not only inconsistent with the principles of the civil code, but also counterproductive to urge timely repayment: the negative impact of bad credit records on people's economic "turnaround" is obvious. Therefore, the way out to solve the above-mentioned "dilemma" is obviously not that banks have different attitudes towards the same situation, but that they can treat the same situation in a specific way and treat the same situation equally.

According to the staff of a commercial bank, at present, the bank has no relevant regulations on mortgage reduction due to the epidemic. In fact, as early as February 22, five departments, including the Central Bank, the Ministry of Finance and the China Banking and Insurance Regulatory Commission, issued a document stating clearly that financial institutions can flexibly adjust repayment arrangements such as housing mortgage and credit card for people who have temporarily lost their income sources due to the epidemic, and reasonably postpone the repayment period.

To implement this spirit, the feasible operation methods are as follows: the implementation methods are issued in time, and it is clear that if the buyers are really unable to repay the loan on time due to the epidemic, they should apply in time and provide proof; Banks should review the above applications in a timely manner and deal with them differently according to different situations. This kind of operation is to conscientiously implement the requirements of the above five departments, and at the same time, it can actively implement the principles of the Civil Code into the industry field, so that a large number of disputes can be effectively relieved before litigation.

Harmony and economic aid have always been the source of strength for the Chinese nation. Under the overall situation of anti-epidemic, whether it is property buyers, banks or relevant management institutions, they need to actively assume their due obligations, give full play to the spirit of mutual help, and let related problems be properly solved within the track of the rule of law.