It is difficult to repay the monthly mortgage during the epidemic. What if it's overdue?

Because of the epidemic, the mortgage can be postponed, and each bank handles it differently. You can call the bank that repays the loan in your city, whether it can be overdue and how to operate it.

For this kind of problem, as early as June 5438+ 10, 2020, China Banking and Insurance Regulatory Commission issued the Notice on Strengthening the Coordination of Banking and Insurance Financial Services to Prevent and Control Pneumonia in novel coronavirus (hereinafter referred to as the Notice).

The Notice calls for giving full play to the joint efforts of bank credit, insurance guarantee and financing guarantee, and strengthening financial support for key areas of people's livelihood. For those who have temporarily lost their source of livelihood due to the epidemic, the credit policy will be appropriately tilted, and the repayment arrangements of personal credit such as housing mortgage and credit card will be flexibly adjusted, and the repayment period will be reasonably postponed.

If it can be overdue, you should figure out how to repay the next loan, because the last loan should be repaid together. These all need you to consider. Although I have a little time for the time being, I can't relax.

If it can be overdue, there will still be some delay. If you can't do it, you must figure out how to do it.

What will happen if the mortgage is off: the bank will give you a phone call and SMS notification after the mortgage is off 1 month; If the mortgage is not paid back for 3 months, the bank manager will call again to collect it, in addition to penalty interest; After six months of mortgage default, the bank will remind you of the consequences of non-repayment and the house will be frozen. After the communication fails, the bank will let the court seal up the property and auction it.

Once we get to the last step, it means that the down payment we paid before is gone or lost more than half. If the house is still not enough for bank loans after the auction, then we will be added to the list of untrustworthy people.

So you can communicate with the bank to see if it can be overdue, but overdue can't fundamentally solve our loan repayment problem, at most it is to extend the time. Most importantly, we should find a solution to the crisis in the meantime.

Then, how to solve the problem of repaying loans during the epidemic, I want to talk about my own views, which was also a unique feeling at that time.

First, the mentality must be peaceful, focusing on finding ways, not quarreling with family members, and not being depressed. I have experienced all these things, so I know exactly how I felt at that time. You just need to think positively. Listen to fate as much as you can.

Second, expand the job search. Don't always focus on your familiar fields. Learn to divergent thinking when encountering problems, and don't always let yourself fall into the whirlpool of failure.

Third, if you have any special skills, such as teaching others English, it depends on your own advantages. In any case, when people encounter extreme challenges, they can show great potential. Just believe in yourself. All difficulties will be overcome.

Fourth, borrow money from relatives and friends. During the epidemic, you really didn't have any income, and you didn't have your own storage. You'd better borrow some money from friends and relatives to tide over the current difficulties. I believe that under special circumstances, as long as you ask, you will generally help you.

Five, contact the local civil affairs department, consult the national relief policy, apply for poverty relief.

In a word, we are adults and adults must face these difficulties. Therefore, being strong and rational is the best way to deal with it. Let's go