Effectively protect the legitimate rights and interests of housing finance consumers. Many banks have introduced measures to delay repayment of mortgage loans.

"At present, some customers with repayment difficulties can negotiate with us to formulate an epidemic rescue plan. We will adopt various methods such as setting a grace period, adjusting repayment methods, adjusting billing plans, and protecting credit information to reduce the repayment pressure of customers during the epidemic prevention and control period. " The relevant person in charge of the Agricultural Bank of China Guangzhou Branch said.

China securities journal reporter learned that up to now, many banks in Guangzhou, Shenzhen, Beijing, Shanghai, Chongqing, Zhengzhou, Qingdao and other places have put forward measures to delay the repayment of mortgage loans, so as to effectively protect the legitimate rights and interests of housing finance consumers and help various market players actively cope with the impact of the epidemic and tide over the difficulties.

The extension period can reach three years.

It is understood that the relief groups with deferred repayment mainly include those who are hospitalized or isolated due to COVID-19 infection, those who need to be isolated due to epidemic prevention and control, their spouses, those who participate in epidemic prevention and control, and those who temporarily lose their livelihood due to the epidemic. The extension of mortgage loans ranges from 3 months to 36 months. Most banks focus on the extension period within one year, and some banks do not stipulate the longest grace period, so customers need to negotiate with banks according to the actual situation.

The reporter learned that the extension time of Industrial Bank Shenzhen Branch is relatively long. The loan manager of a branch of the bank said: "The extension period should be based on the actual impact of the epidemic, the loan amount, the repayment ability of customers and other factors. In areas with severe epidemic control, the longest mortgage loan can be extended for 18 months; In areas seriously affected by the epidemic and involving shutdown or delayed delivery, the maximum extension is 36 months, and the specific period is subject to final approval. "

In order to facilitate lenders to handle mortgage extension business, many banks adopt online application and online approval processes. A loan manager of ICBC told the reporter that you can apply through the "My Loan" module in ICBC's mobile app with one click, and upload the electronic version of the relevant certificate later without going to the counter.

A credit manager of China Construction Bank in Chongqing said: "Because some customers are inconvenient to go to outlets, we support giving priority to using WeChat, email or other electronic means to apply, and then sign the agreement after customers can travel normally."

Many banks have also simplified the proof materials of mortgage extension, and most of them can be handled flexibly according to the actual situation. The reporter summarized the information learned from a number of banks. The examination and approval materials mainly include: the lender's identity card; Relevant application forms; Relevant certificates of being blocked, isolated and staying at home; Relevant proof of income decline, which can provide proof of wage income flow or issued by the unit; Personnel participating in epidemic prevention work shall provide proof of epidemic prevention and control work; Some banks also need to sign supplementary agreements for deferred repayment.

In addition, for customers who can't get the relevant materials in time due to special circumstances such as home office during the epidemic, most banks take the way of explaining the situation first or providing the authenticity commitment before supplementing the materials.

In order to ensure that the relief measures benefit every customer in need as much as possible, many banks have implemented peer-to-peer service plans. The account manager of China Merchants Bank Shenzhen Branch told the reporter: "Customers who apply for mortgage extension can contact their personal loan manager directly, or they can call the retail credit service center hotline through customers, and we will have staff to connect."

The bail-out plan needs full consultation.

According to the reporter's investigation, each bank has different ways in delaying repayment, extending the term, collecting credit and extending the repayment times. After combing, it is mainly divided into three measures: delaying repayment time, extending loan term and changing repayment method.

According to the requirements of some banks, customers who choose to postpone repayment can stop repaying principal and interest within the grace period, but they need to pay off the remaining principal and interest in one lump sum after the grace period ends. The grace period of this method is generally short, ranging from 28 days to 6 months.

Customers who choose to extend the repayment time are equivalent to lengthening the whole loan period and the corresponding overall cost will also increase. "Interest needs to be paid during the extension period, so the total interest of the loan will increase a lot because of the long repayment time." A woman in a state-owned bank outlet in Beijing told reporters that she was consulting the problem of deferred repayment of mortgage loans.

In this regard, the staff of the bank said: "According to the regulations, we will not charge penalty interest, compound interest or bad credit information during the loan extension period. But interest is charged normally, and there is no discount. Customers must choose whether to apply for extension according to their personal needs. For customers with special circumstances, we can negotiate again. "

In addition, some bank lenders told reporters that although bad credit information is not reported, the credit information record of deferred repayment will be different from that of normal repayment. "There may be an' asterisk' sign on the credit record that has not been repaid for several months, which should be automatically generated by the system. This is not a sign of overdue records, but it is different from the sign of normal repayment; Whether it will affect future loans depends on the audit requirements of credit banks. " A loan manager of Guangfa Bank said.

At the same time, he added: "For some customers, we don't recommend applying for deferred repayment, but for some small business owners and individual industrial and commercial households, if the repayment pressure is too high at present, it is more appropriate to apply for deferred repayment after the epidemic situation improves."

Industry analysts pointed out that postponing mortgage repayment is essentially transferring the current repayment pressure to the future, rather than "not paying back" or "paying back less", which means that the repayment pressure in the future may increase, so postponing mortgage repayment is not suitable for most people. For those groups whose income has been greatly reduced recently by the epidemic, it can be considered.

It should be noted that all banks stressed in interviews that due to different subdivision policies, the specific rescue plan needs full communication and consultation between lenders and banks.

Actively fulfill social responsibilities

Many insiders said that the personal mortgage relief measures of the bank are concrete measures to implement the "Finance 16 Document". 165438+1On October 23, the Notice on Doing a Good Job in Financial Support for the Stable and Healthy Development of the Real Estate Market issued by the People's Bank of China and the China Banking Regulatory Commission clearly stated that financial institutions should protect the legitimate rights and interests of housing finance consumers in accordance with the law, and encourage financial institutions to negotiate independently with buyers in accordance with the principles of marketization and rule of law and make adjustments such as extension; Effectively protect the personal credit rights and interests of deferred loans, timely submit the adjusted repayment arrangements of personal housing loans to credit records, properly handle relevant credit objections, and protect the credit rights and interests of information subjects according to law.

In fact, deferred repayment service is not a new deal. In February, 2020, the People's Bank of China and other five departments jointly issued the Notice on Further Strengthening Financial Support for the Prevention and Control of novel coronavirus, clearly stating that financial institutions should give appropriate preference to users seriously affected by the epidemic in credit policies, flexibly adjust personal credit repayment arrangements such as housing mortgage and credit card, and reasonably postpone the repayment period.

Dong Ximiao, chief researcher of Zhaolian Finance, said: "During the epidemic prevention and control period, banks actively fulfilled their social responsibilities, actively responded to national policies, benefited the people and the people, and worked with borrowers to tide over the difficulties. Negotiating with the borrower to postpone the payment of the mortgage has reduced the economic burden of the borrower and protected the personal credit record. "

Ceng Gang, director of the Shanghai Finance and Development Laboratory, also said that delaying the repayment of mortgage loans is conducive to safeguarding and improving people's livelihood, and can help individuals better cope with the impact of the epidemic.