How many days is the deferred repayment of CCB mortgage? There are three options.

; ? There is generally no grace period for CCB's mortgage, and the successful bank deduction on the repayment date will not be overdue. However, the recent period is quite special. Considering that many people have no income to repay their loans due to the epidemic, CCB has also taken corresponding measures to postpone repayment. Many people want to know if they can postpone the repayment for a few days. Let's have a look.

Due to the epidemic situation, monthly customers who meet the application conditions for deferred repayment of personal housing commercial loans can apply for deferred repayment through the "yue life-Epidemic Area-Deferred Repayment of Personal Loans" menu of WeChat official account of China Construction Bank. There are three options:

1, short-term deferred repayment

The longest time is 28 days, and the lender needs to repay the loan in full within 28 natural days after the repayment date, which is regarded as normal repayment, with no overdue record, which will not affect the credit information and will not calculate the penalty interest. The current application takes effect in the current period, and the next period still needs to be repaid in full on schedule according to the repayment date of the original repayment plan. If there is any deposit in the entrusted account within 28 natural days after the extension, it will be deducted.

After applying for short-term deferred repayment online, the page will prompt whether it is successful or not, and the bank will also send a text message to inform you. It should be noted that after successful processing, the short-term delayed repayment still receives the collection SMS within 28 days, which can be ignored.

2. Adjust the billing plan in stages.

After successful processing, the monthly repayment amount can be temporarily reduced and returned for a period of time. Generally, within 5 working days after the application (except Hubei), CCB staff will contact the lender.

It should be noted that this service can not reduce the loan principal and interest, but only reduce the monthly repayment amount in a short time. During this period, the loan principal and interest not repaid according to the original repayment plan will be included in the new repayment plan after the adjustment period ends.

3. Extend the term of personal loan.

Suitable for customers who face a long-term income crisis due to the epidemic and meet the conditions of deferred repayment of personal housing commercial loans. After successful handling, the loan term can be extended and the monthly repayment amount can be reduced, but it is more troublesome, and the bank needs to re-approve, sign a supplementary agreement and handle the mortgage change.