What is the notice that the bank postponed the Spring Festival due to the epidemic?

For medical staff, government workers involved in epidemic prevention and control, as well as confirmed patients, suspected persons and their spouses, if personal loans and credit card overdrafts at Bank of China, Bank of China, Fu Deng Rural Bank and Bank of China Consumer Finance Co., Ltd. are overdue during the epidemic, the repayment period will be extended, which is not considered as a breach of contract and is not included in the overdue personal credit record.

The relevant interest and late payment fees can be reduced or exempted, and you can apply for credit repair. In loans overdue, personal participation in epidemic prevention and control is not considered illegal, and the grace period of personal loan repayment in Hubei is extended to 1 1 day. For people who have temporarily lost their sources of income due to the Hubei epidemic, they can delay repayment of the principal for 3-6 months according to the actual situation.

Industrial and Commercial Bank of China

Any medical staff and staff involved in epidemic prevention and control, as well as confirmed patients and suspected persons and their spouses, whose personal loans and credit cards overdrawn at ICBC during the epidemic period are overdue due to inconvenient repayment, are not considered as breach of contract and will not be included in the list of default customers.

03. Agricultural Bank of China

For customers who have temporarily lost their sources of income due to the epidemic, we will flexibly adjust the repayment arrangements of personal credit such as housing mortgage, credit card and agricultural loan, and reasonably postpone the repayment time.

Under the premise of complying with laws, regulations and regulatory provisions, if the personal loans and credit card overdrafts of the staff involved in epidemic prevention and control are overdue during the epidemic period, they will not be regarded as breach of contract for the time being, and will not be included in the list of defaulting customers, and no penalty interest will be charged.

Other personal loans, credit card overdrafts and farmers' loans overdue caused by epidemic and non-personal subjective reasons are not regarded as breach of contract, and are not included in the list of defaulting customers, and no penalty interest is charged.

04. China Construction Bank

Medical staff and government workers involved in epidemic prevention and control, whose personal loans and credit card overdrafts in CCB are overdue during the epidemic period, are not regarded as breach of contract and do not enter the default customer list. Enterprises suffering from temporary difficulties due to the epidemic will be given full support through credit restructuring and reduction of overdue interest according to actual conditions.

The operating loans of small and micro enterprises and individual industrial and commercial households in Hubei Province were lowered by 0.5 percentage points on the current basis.

05. Bank of Communications

Optimize the personal credit service for people involved in epidemic prevention and control. For the staff involved in epidemic prevention and control, personal loans and credit card overdrafts in Bank of Communications during the epidemic period are overdue, which is not considered as a breach of contract and does not enter the list of defaulting customers.

06. China Merchants Bank

For other customers who need credit during the epidemic, China Merchants Bank will optimize the credit and withdrawal process.

Need to register a personal account, and review it according to the deposit and running water of the personal account. The loan cannot be postponed until it is approved.

Ps: At present, the loan extension for investment promotion is mainly aimed at Wuhan and surrounding cities. If the buyer needs to apply for extension, he can call the service hotline or contact the account manager to register, and the bank will judge whether the extension is allowed according to the customer's situation.

07. China Everbright Bank

In particular, it provides personal credit loans with a maximum amount of 300,000 yuan for medical staff and their immediate family members who are fighting against the epidemic in Wuhan, and all enjoy preferential loan interest rates without mortgage and guarantee.

Personal loans overdue and credit card overdraft of these medical staff during epidemic prevention are not regarded as breach of contract, and they will not be included in the list of default customers, which will not affect personal credit information. Moreover, their credit cards are free of annual fees for life, and the "sunshine culture" of China Everbright Bank is "angels in white".

08. China CITIC Bank

Personal loan customers who have lost their income sources for a short time due to the epidemic will be given a certain grace period for repayment. Overdue loans to medical staff and people isolated due to illness who participate in epidemic prevention and control will not be included in overdue credit information and will not be charged with overdue penalty interest.

For loans in wholesale and retail, accommodation and catering, logistics and transportation, cultural tourism, automobile sales, commercial property and other industries that are greatly affected by the epidemic, eligible customers are given a grace period for repayment.

09. Ping An Bank

Provide care policies for medical staff fighting in the front line of medical care, customers infected with novel coronavirus, and customers who have delayed repayment due to epidemic control in Hubei.

If the repayment of such customers is affected, you can use Ping An Pocket Bank App online customer service and service hotline 955 1 1 help 2/3 or give feedback to the local branch. Ping An Bank will postpone repayment appropriately according to the customer's situation, reduce interest expenses and provide credit guarantee.

10, Shanghai Pudong Development Bank

For individual loan customers who have temporarily lost their income sources due to the epidemic, reasonable measures such as "adjusting repayment plan and strengthening loan renewal support" should be taken to reduce the repayment pressure of customers; Don't refuse to accept customers' loan applications because of the epidemic;

For the objection application of customers whose overdue loans affect personal credit information due to this epidemic, it will be handled according to the guidance requirements of the Credit Information Center of the People's Bank of China; Moderately reduce the interest rate of some personal loan products.

Medical staff and government workers involved in epidemic prevention and control will reasonably delay the repayment period for credit card customers who have temporarily lost their income sources due to inconvenience in repayment and the epidemic.