Can Kunshan CCB mortgage be delayed?

Unexpectedly,

Some buyers began to lose support.

Recently, someone defaulted on the mortgage!

Under the epidemic, some people's mortgages were cut off.

Fortunately, during the epidemic,

The local rescue policy has also been introduced!

On March 1 day, the General Office of Zhengzhou Municipal Government issued the Notice on Promoting the Healthy Development of Real Estate Industry. The notice is called "Article 0/9 of Saving the City/KLOC", some of which are very striking: the elderly who come to visit relatives in Zhengzhou are allowed to buy new houses with their families; Residents selling small and buying big, selling old and buying new, can provide convenience in personal mortgage, online registration, real estate registration and so on. I already have a house and the loan has been paid off. Can I enjoy the first loan policy if I buy again?

On April 20th, Guangdong Banking Insurance Regulatory Bureau released a set of data: Since the outbreak of the epidemic in 2020, Guangdong banking institutions have postponed the repayment of 46,000 mortgages affected by the epidemic, involving loans of more than 30 billion yuan. Among them, since 2023, 772 families have applied for deferred repayment of mortgage loans.

Come and see what new policies Kunshan has!

Mortgage extension and provident fund loan grace period! Just officially released.

On April 13, Suzhou's Policy Opinions on Promoting the Recovery and Development of Difficult Industries in Service Industry and Related Fields was officially released and implemented. 0030 10 introduced 20 feasible measures for tax reduction and fee reduction, financial benefits, stable employment and quality service. Help market players boost confidence and tide over the difficulties.

In terms of increasing financial support, financial institutions are encouraged to take the initiative to serve, and they are not blindly reluctant to lend, withdraw loans, cut off loans, and suppress loans; For those who meet the requirements and are difficult to repay due to the epidemic, we will flexibly adjust the repayment arrangements such as housing mortgage and credit card.

Swipe up and down to view the policy details.

0 1

Mortgage extension

First of all, the mortgage is postponed!

Suzhou, Kunshan, Changshu

More than 50 banks have introduced deferred repayment policies.

It can be extended for up to 6 months without affecting the credit investigation.

Look at the policies of banks in Kunshan!

Industrial and Commercial Bank of China

Contact: Luo Weiyi Zhang Ji

Tel:1510620152915850338320.

agricultural bank

Tel: 0512-575993221812666167.

Bank of China

Tel: 0512-5739868318261691505.

China construction bank

For housing mortgage, consumer loans and other businesses, we have introduced related service policies such as deferred repayment during the epidemic period, which mainly include: first, short-term deferred repayment for up to 28 days, and the extension will not affect credit reporting; The second is to adjust the billing plan and reduce the monthly repayment amount in stages; According to the situation of customers.

Contact: Zhou Sheng

Tel: 13962689370

Bank of Communications

Medical personnel, government workers and their spouses, confirmed patients, isolated people and employees in industries greatly affected by the epidemic can apply for a special grace period of up to 90 days. During the grace period, customers are not included in the default customer list. At present, the customer has successfully handled it.

Contact: Wang Shun

Tel: 13962690299

Kunshan Nong store

Contact: Xia

Tel: 15 162633622

China Citic Bank

Contact: Manager Shi

Tel: 0512-651921218962169273.

Minsheng Bank

Contact: Yan Ren

Tel: 15250 123737

Postal Savings Bank

Contact: Yin

Tel: 15995688503

China Merchants Bank

Provide mortgage customers with a number of extension services, such as changing repayment date and repayment method, to ease the short-term repayment pressure of customers. Customers can contact the account manager, Kunshan Branch or Suzhou Branch Customer Service Center to apply.

Contact: Gu

Tel: 05 12-503 15065

Shanghai Pudong Development Bank

Hospitalization, prevention and control need isolation, prevention and control staff, and four types of people whose income is affected during the epidemic can apply for extension. The repayment of principal and interest can be postponed for up to 3 months.

Contact: Gao Zhiyong

Tel: 139 13598364

p & gt

Huaxia Bank

Contact: Xia Luyiqian

Tel:1377319058513912659063.

Bank of Suzhou

Contact: Huayi

Tel:13771901351.

Bank of East Asia

People affected by the COVID-19 epidemic (pneumonia patients infected by novel coronavirus, suspected patients, close contacts during isolation treatment or medical observation, employees of enterprises and institutions who have no income or whose income has dropped sharply due to isolation measures or other emergency measures taken by the government, epidemic prevention and control medical personnel or government staff or army officers and soldiers, and customers who cannot repay on time due to technical reasons) can apply for deferred repayment, and the longest period of deferred repayment shall not exceed six periods. Maintain the five-level classification status of the original loan when the customer applies, and avoid the overdue record of credit information caused by delayed repayment and the related expenses caused by delayed repayment.

Contact: Manager Shi

Tel: 05 12-68735088

industrial bank

Apply for deferred repayment for eligible customers in Kunshan: First, give a maximum repayment grace period of 3 months (both mortgage and personal business loans are acceptable); The second is to provide mortgage customers with mobile banking to apply for "pay-as-you-go" repayment online, and the longest application period that meets the relevant conditions can reach 3 years (see the account manager for relevant policies).

Contact: Yu Zhihua Yan Hua

Tel:132181537941889 6850567.

Zhangjiagang Nong store

To provide the following services for customers who meet the relevant conditions: First, if the principal cannot be repaid on time, they can apply for business extension and negotiate credit guarantee loan products for customers; Second, if the principal and interest cannot be repaid, apply to the head office for changing the repayment plan according to the process, extend the business for up to 3 months, and apply for deferred interest calculation at the same time; Third, if the loan principal and interest are equal or the average capital can't repay the personal loan, it should be reported to the Head Office for business extension according to the process, with the longest extension of 3 months. If the loan term does not match the interest rate term after the extension, the preferential interest rate can be increased.

Contact: Tan Yifan

Tel: 15850227 187

Zhejiang merchants bank

Persons who are unable to work, be infected or isolated, or participate in the anti-epidemic because of the control of epidemic cities announced by the government or are listed as medium and high-risk areas may apply for personal loans, special installments and credit card deferred repayment services, with a grace period of up to 3 months (or 3 installments). If the customer is overdue within the grace period, the credit record of the customer may not be affected, and the penalty interest and compound interest of various loans during the grace period may be reduced or exempted.

Contact: Qian Yaping

Tel:13511620720.

Guangdong Development Bank

Contact: Wei

Tel: 1855 1255958

Changshu Nong store

Contact: Xu Xiaocong

Tel: 15962652065

Bank policies may be adjusted according to the situation.

Please consult bank customer service or account manager for details!

Not only commercial loans can be postponed.

Provident fund loan policy has also been relaxed!

02

Provident fund loans can be extended.

Suzhou Provident Fund Center issued the Notice on Implementing the Policy of Housing Provident Fund for Benefiting the People in Response to the COVID-19 Epidemic and the Notice on Supporting the Recovery and Development of Services-related Fields. It is mentioned that if the housing provident fund loan cannot be repaid normally due to the epidemic, the housing provident fund loan will not be overdue.

Housing provident fund loans are not overdue. Workers affected by the epidemic did not repay their housing provident fund loans normally during the epidemic prevention and control period, and they were not overdue, exempted from overdue penalty interest and did not affect their personal credit. The grace period is tentatively set as July 3, 20231. After the expiration of the grace period, employees should repay the loan principal and interest within the grace period.

and

The loan amount of Kunshan provident fund has been comprehensively improved.

Individuals are up to 600,000, and families are up to 900,000!

_

Kunshan used provident fund loans for the first time, and the personal quota increased from 450,000 to 600,000, and the family quota increased from 700,000 to 900,000. Officially implemented on April 2 1 day!

However, this amount needs to be viewed from the comprehensive deposit base, loan years and provident fund balance, and the above new policy is only for "first-time use of provident fund loans"!

Deferred repayment

Let many families relax.

most important of all

Doing so will not affect personal credit information.

You can still get through this.

I believe everything will get better gradually!

Related Questions and Answers: When was the base of Kunshan Provident Fund 202 1 adjusted? Is the social security accumulation fund based on the same base? The problem is this: the base of Kunshan Provident Fund 202 1 has been adjusted from 65438+ 10/month, and the units and employees have paid 7% and * * * 1 4% respectively.