A number of banks responded that they could not repay their mortgages on time due to the epidemic.

A number of banks responded that they could not repay their mortgages on time due to the epidemic.

A number of banks responded that they could not repay their mortgages on time due to the epidemic. Many banks have introduced warm-hearted policies such as repayment delay and credit relief support for different epidemic-related areas, but the standards for repayment groups are also different. A number of banks responded that they could not repay their mortgages on time due to the epidemic.

A number of banks responded that they could not repay their mortgages on time due to the epidemic. 1 "I work in Shanghai, but now I can't work because of the epidemic and I have no income. I hope that the bank can suspend the mortgage repayment period or reduce the mortgage for half a month. " Recently, a message about applying for extension of mortgage repayment has been circulated on the Internet, which has attracted much attention.

With the tightening of epidemic prevention and control, some people have temporarily lost their sources of income and it is difficult to repay their mortgages. What if you don't repay the loan? Will it have an impact on credit reporting? The first financial reporter learned from a number of banks that some banks have introduced relevant measures for areas with serious epidemics such as Shanghai and Jilin, and will provide policies such as deferred repayment for specific groups. During the deferred repayment period, the credit information will not be affected. As for the extension of time, some banks said that they could consult the lending bank for details, and some banks clearly stated that it could be extended for up to three months.

A number of banks have indicated that they can postpone repayment.

Housing is closely related to everyone's life, and the epidemic has impacted many people's lives, especially for individuals and small and micro enterprises with limited cash flow, how to repay loans in time is a top priority.

According to an interview with the First Financial Reporter, a number of large state-owned banks and joint-stock banks have introduced relevant measures to provide deferred repayment for specific groups in areas with severe epidemics such as Shanghai and Jilin, but the policies of each bank are different.

Among the big state-owned banks, ICBC customer service told reporters that in Shanghai, there are four groups of people who can apply for the policy of delaying repayment of loans during the epidemic, including those who are hospitalized or isolated due to COVID-19 infection and their spouses; Persons and their spouses who need to be observed in isolation in order to prevent and control the epidemic; Personnel involved in epidemic prevention and control; People who have temporarily lost their sources of income due to the epidemic. As for the delay period, you need to ask the loan bank for details.

The above-mentioned customer service of ICBC also said that how to prove that he belongs to one of the above-mentioned groups requires further confirmation from the loan handling bank, and the final reply from the loan bank shall prevail. If the application is not passed, overdue repayment will still affect the credit investigation. As the outlets in the closed area are basically closed, customers can directly contact the manager of the loan handling bank to register.

The reporter learned that at present, in Jilin, the normal loan users of ICBC who temporarily default due to the epidemic are all subject to the deferred withholding policy. During the deferred withholding period, no credit investigation and penalty interest will be charged. "However, this policy is a temporary policy, and it was cancelled after Jilin was unsealed. The borrower needs to repay the deferred loan principal and interest in time before the next repayment date on the unsealing date. " ICBC customer service said.

The customer service of China Construction Bank told the reporter that during the epidemic period, customers who applied for commercial housing loans in Shanghai can apply for short-term deferred repayment if their personal loans are affected and cannot be repaid normally, or they are in loans overdue. The specific extension time should be consulted with the loan handling bank. It is reported that in Jilin, the extension policy of CCB is 28 days. "The notice was issued at the end of March and the beginning of April," said CCB customer service.

"There are relevant policies." When asked if it is possible to apply for deferred repayment of mortgage, the customer service of Agricultural Bank told the reporter that the lender himself needs to provide the lender's name, certificate number, loan bank, handling business and the difficulties currently encountered. After registration, he will take the initiative to contact the customer to verify the relevant situation, and the specific policies will be docked by the relevant staff.

The customer service of Bank of Communications also reflected that the bank has relevant policies at present, and the car owner needs to contact the loan bank to understand the specific situation. Previously, the 19 financial measures issued by Bank of Communications mentioned that personal loan customers who participated in epidemic prevention and control, such as medical staff, government workers, confirmed patients, isolated personnel (including isolated observers), suspected patients, spouses of the above-mentioned personnel, were provided with repayment policy support, and a grace period of three months was given as appropriate.

Among the joint-stock banks, Industrial Bank and Zheshang Bank have also taken relevant measures. For example, Shanghai Branch of Industrial Bank gives a maximum repayment grace period of 3 months to hospitalized or isolated people infected with new pneumonia, staff involved in epidemic prevention and control, and customers whose cash flow is affected under the epidemic;

At the same time, it provides mobile banking for mortgage customers to handle "pay-as-you-go" repayment online, and will not repay the loan principal for up to 3 years, thus alleviating the repayment pressure. The reporter learned that at present, 36 customers have applied for "pay-as-you-go" online, involving loans of 72.47 million yuan.

Zheshang Bank said that in areas with severe epidemics such as Shanghai, the bank's personal loans and credit card businesses provide deferred repayment services for those who cannot work due to infection, isolation, participation in anti-epidemic and other reasons. If the customer is overdue within the grace period, the customer's credit history may not be affected, and the default interest and compound interest of the loan can be reduced or exempted during the grace period, and the extension period can be up to 3 months.

"The penalty interest and compound interest arising from the three-month extension period can be reduced or exempted, and the credit information of PBOC can be adjusted." A related person from Zheshang Bank Shanghai Branch told the reporter that by the end of March, the bank had accepted three applications for deferred repayment of personal loans with an amount of * * * 1.55 million yuan.

Mortgage loan is still a good asset.

In fact, this policy of delaying repayment is not the first time. Two years ago, at the beginning of the outbreak, the supervision put forward the relevant bail-out policy of personal credit. With more and more attention paid to credit reporting, in the anti-epidemic support policy, the regulatory authorities also mentioned the protection of credit reporting, requiring financial institutions to do a good job in protecting the rights and interests of credit reporting.

In February, 2020, the central bank and other five departments issued the Notice on Further Strengthening Financial Support for novel coronavirus's Prevention and Control Work, which clarified that financial institutions should appropriately tilt their credit policies, flexibly adjust personal credit repayment arrangements such as housing mortgage and credit card, and reasonably postpone the repayment period for those who are hospitalized or quarantined due to new pneumonia, epidemic prevention and control observers who need to be quarantined, those who participate in epidemic prevention and control, and those who temporarily lose their income sources due to the epidemic.

Now, during this round of epidemic in Shanghai, the Shanghai Local Financial Supervision Bureau, together with the Shanghai Branch of the Central Bank, the Shanghai Banking Supervision Bureau, the Shanghai Securities Regulatory Bureau and the relevant industry authorities in this city, has also promulgated the Measures for Financial Support in Shanghai to Fight the Epidemic and Help Enterprises Promote Development, which clearly states that individuals and enterprises that have temporarily lost their sources of income due to the epidemic can submit their credit records according to the adjusted repayment arrangements.

In this context, major financial institutions are taking active actions. However, there are also views that it is difficult to postpone the repayment of personal loan principal and interest, such as how to determine that the applicant does have difficulties. In this regard, the reporter learned that at present, most banks adopt a one-on-one discussion method, depending on the situation.

For banks, although it is difficult for individual lenders to repay loans during the epidemic, individual housing mortgage loans are still better assets than other assets. "Such assets tend to have a low non-performing rate, and there are real estate and real estate, and the risks are relatively scattered." A senior bank employee told reporters that at present, many banks are increasing their mortgage lending.

"From the data of personal housing loans and consumer loans, it is true that the income of some customers has been affected to some extent because of the epidemic. Objectively speaking, the number of customers applying for deferred repayment has increased. After these customers applied for deferred repayment, they basically repaid as scheduled according to the deferred repayment plan. " Zheshang Bank executives said at the previous 20021annual performance conference.

Wang Jianzhong, vice president of China Merchants Bank, also said at the press conference that the current mortgage pricing remains at a high price, and the ratio of the mortgage balance of China Merchants Bank to the value of mortgaged property is 44.38%, so the overall loan risk is low. "Recently, we are strengthening the delivery and marketing of mortgage loans, reaching out to customers online and offering some preferential prices in an effort to maintain a certain growth of this kind of business."

A number of banks responded that they could not repay their mortgages on time due to the epidemic. Affected by the epidemic, whether the mortgage of home-isolated borrowers can be postponed has become a hot topic. Recently, a number of state-owned banks, joint-stock banks and local banks have responded, and will provide grace period support for repayment according to the epidemic situation in different regions.

It is worth noting, however, that on April 7th, beijing business today Today reporter noticed in the course of investigation that at present, the criteria for identifying specific groups in various banks are not uniform, and whether the specific extension can be made depends on the audit. Property buyers need to keep the notice of community closure, isolation certificate and other necessary supporting materials.

The standards of deferred repayment groups are different.

It is understood that it includes China Bank (60 1988), Bank of Communications, Industrial Bank (60166), China CITIC Bank (60 1998), Zheshang Bank, Shanghai Rural Commercial Bank, Zhangjiagang Rural Commercial Bank and Jiangyin Rural Commercial Bank.

On April 7th, beijing business today Today reporter consulted some bank customer service staff as customers. For example, the customer service staff of China Bank said that at present, the bank has issued relevant policies for Jilin Province. During the epidemic period, those who are hospitalized or isolated with COVID-19, who need isolation due to epidemic prevention and control, who participate in epidemic prevention and control, and who temporarily lose their income due to the epidemic, may apply for an extension of repayment, and the period may be relaxed to 10 day.

The customer service staff of the Agricultural Bank of China pointed out that taking Shanghai as an example, if customers are unable to complete personal loans or prepay due to the closure of outlets or customers' residences during the epidemic, they can feedback to relevant departments for verification. Whether it can be postponed depends on the local audit. Customers need to keep community closure notice, isolation certificate and other necessary supporting materials.

Among the joint-stock banks, Beijing Commercial Bank learned from Industrial Bank today that the Shanghai Branch of the bank granted a maximum grace period of three months for the repayment of hospitalized or isolated people infected with COVID-19, staff involved in epidemic prevention and control, and customers whose cash flow was affected under the epidemic, and provided online "pay-as-you-go" repayment by mobile banking for mortgage customers, and could not repay the loan principal for up to three years to ease the repayment pressure.

Liang Nan, an analyst at Zhuge Housing Search Data Research Center, said that different banks have different standards for the identification of deferred property buyers, mainly because there is no unified policy and clear implementation standards, which leads to different implementation of banks. At the same time, it is related to the impact of the epidemic on the city and the population situation. When implementing the extension policy, banks also need to consider the objective situation of borrowers and protect the interests of depositors. In addition, to some extent, it is related to the bank's own situation, such as the risk it can bear.

The overdue records that have been generated will still be included in the credit investigation.

As early as the early stage of the COVID-19 epidemic in 2020, the central bank, the Ministry of Finance, the China Banking Regulatory Commission, the China Securities Regulatory Commission and the foreign exchange bureau proposed that financial institutions should appropriately tilt their credit policies, flexibly adjust the repayment arrangements of personal credit such as housing mortgage and credit card, and reasonably postpone the repayment period for those who are hospitalized or isolated due to COVID-19 infection, need to be isolated due to epidemic prevention and control, and temporarily lose their income sources due to the epidemic.

In addition to granting a grace period for repayment as appropriate, some banks have also introduced relevant measures in credit protection. For example, beijing business today Today reporter learned from Zheshang Bank that the bank provides deferred repayment services for personal housing mortgage, personal consumption loan, special installment, credit card and other products according to customers' applications, and the longest grace period is 3 months (or 3 installments). If the customer is overdue within the grace period, it may not affect the customer's credit history.

Although many banks have introduced the adjustment of overdue credit records to protect the rights and interests related to public credit information, buyers should not be careless.

A staff member of a state-owned bank in Shanghai told the beijing business today reporter today that under normal circumstances, commercial loans need to ensure that the amount paid in the card covers the amount deducted from the mortgage before 5 pm on the repayment date. If they fail to repay on time, they will be charged a penalty interest and reported to the credit bureau. If the local people with corresponding policies meet the requirements for application, the overdue records of the current month will not be regarded as a breach of contract for the time being, but the overdue records before the adjustment of repayment arrangements will still be submitted to the credit bureau in principle.

A person in charge of a local city commercial bank said, "During the epidemic, if I am in loans overdue, I can apply for credit adjustment. If it is qualified by our bank, the overdue month will not be regarded as a breach of contract; If my loan is not overdue, I can apply to adjust the overdue date of the loan to be transferred. "

Yan Yuejin, research director of the think tank center of Yiju Research Institute, analyzed that similar suspension policies or operations objectively help to reduce the repayment pressure of buyers. However, buyers will worry about the stain on credit information. Even if the bank is allowed to close, I am afraid that the closure will have a bad impact. In this regard, banks should clearly inform and provide information express service to buyers.

Relevant supporting rules and measures need to be introduced.

Due to the epidemic, it is impossible to repay the mortgage on time. Relaxing the repayment period is a good measure for banks to serve people's livelihood. However, in the course of investigation, today's reporter in beijing business today noticed that in recent years, there is an increasing trend of "rights protection teams" who "pay money with one hand and do things with the other", and under the guise of formal rights protection, they put pressure on financial institutions through "online complaints, telephone complaints and letters and visits" to achieve the purpose of "malicious complaints".

Another banker also mentioned, "At present, the identification of specific people is really lacking and vague. Some customers think that they meet the certification conditions because of the difficulties in life, but in fact they do not meet the relevant standards. Banks are also afraid of causing some misunderstandings. The bank's solution is that people with special circumstances can apply to the bank and the bank will review it as appropriate. "

In Liang Nan's view, at present, there is no unified policy and no institutionalized form in the country, which leads to the unclear attitude of banks and different enforcement to some extent. At the same time, if there are relevant policies in the later period, but due to the lag of policies, it will take a long time from the introduction to the landing, and some people with financial constraints may have overdue payments during this period. Therefore, it is necessary to introduce relevant preferential policies, and subsequent policies may be introduced to ensure that such difficult groups can tide over the difficulties.

Liang Nan further suggested that banks should implement differentiated standards, fully consider the actual situation of lenders and the repayment rhythm of funds, and conduct appropriate risk management.

From the perspective of buyers, Yan Yuejin suggested that different banks have different calibers, and buyers should take the initiative to consult the bank credit manager to learn more about the specific regulations, so that the operation of such businesses will be clearer. If the repayment is delayed, it is necessary to understand the subsequent mortgage interest rate and other conditions to prevent risks such as increased mortgage costs. At the same time, it is necessary to objectively evaluate your future income level and make judgments in advance, which will help to rationally plan the mortgage repayment in the next few months.

A number of banks responded that they could not repay their mortgages on time due to the epidemic. What if some people are affected by the epidemic and cannot repay their mortgages on time?

On April 7th, according to Xinhua News Agency, the five major banks of industry, agriculture, China, construction and communications can provide service support to individual housing loan customers affected by the epidemic, including delaying repayment time, extending loan term and adjusting billing plan.

China Industrial and Commercial Bank said that it will provide personal loan deferred repayment service support for personal loan customers affected by the epidemic. During the deferred repayment period, customers will not be included in the list of defaulting customers, and at the same time, customer credit information will be protected and customer service will be continuously strengthened.

According to the introduction of China Construction Bank, since the outbreak of the epidemic, CCB has issued related service policies such as deferred repayment during the epidemic, including short-term deferred repayment of up to 28 days, during which there will be no collection and credit investigation.

Liang Nan, an analyst at Zhuge Housing Data Research Center, told Times Weekly that the bank's policy of deferred repayment of mortgage loans at this time can alleviate the financial pressure of some people with weak repayment ability. Different from the phased policy in early 2020, at present, banks have different opinions on whether to extend support and the user identification criteria for applying for extension. Therefore, it is necessary to introduce relevant standardization policies.

The five major banks launched the policy of delayed repayment of mortgage loans.

Recently, a screenshot of "I hope to delay the mortgage due to the epidemic" was circulated on the Internet, which immediately triggered a heated discussion among netizens.

In the screenshot, a citizen who lives in Kunshan, Jiangsu Province said that he used to work in Shanghai, but now he can't work because of the epidemic. He has no income, and he has to pay back about 5000 yuan a month. I hope the bank can suspend the mortgage repayment period or reduce the mortgage for half a month.

Coincidentally, in early April, Mr. Zhang of Gansu posted information for help on the Internet, saying that he was temporarily unable to go out for odd jobs on weekdays and had no income for the time being. His wife is unemployed and his child is only two months old. Not only can the mortgage and car loan not be repaid, but his life has also encountered difficulties. He hopes to contact the local government and banks to negotiate to postpone the repayment time.

Regarding Mr. Zhang's appeal, the relevant departments of Jingyuan County replied that the situation reflected by Mr. Zhang was true, and the local community had visited Mr. Zhang's family and presented rice, noodles and other foods. The bank that handled the housing loan for Mr. Zhang also responded to the media that if Mr. Zhang has no income due to the epidemic, he can postpone the repayment time. After the epidemic is closed, you can submit a written application certificate to the bank and go through the formalities of delaying repayment for up to 6 months.

"Recently, some people affected by the epidemic have been unable to work and lost their sources of income. In the short term, the capital turnover pressure is high, and the extension of mortgage will affect the credit of buyers, and even have a certain negative impact on the real estate industry and banks. " Liang Nan said. At this time, the bank launched a mortgage deferred repayment policy, which can alleviate the financial pressure of some people with weak repayment ability.

Beijing Youth Daily also published an article suggesting that it is necessary to put "postponing mortgage repayment due to the epidemic" on the agenda, and relevant institutions and departments, including banks, should participate in the discussion and seek solutions.

On April 7, five major banks, namely, industry, agriculture, China, construction and communications, responded to Xinhua News Agency, providing service support to individual housing loan customers affected by the epidemic, including delaying repayment time, extending loan term, and adjusting billing plan.

The Agricultural Bank of China said that customers who meet the relevant conditions can enjoy the personal housing loan customer care policy for delaying repayment time, reducing penalty interest and eliminating overdue credit records due to the epidemic;

The Bank of Communications said that since the beginning of the epidemic, it has issued a policy to help mortgage customers during the epidemic, giving a certain grace period to customers whose repayment ability has temporarily decreased due to the epidemic. Customers can apply to the branch to which the loan belongs, and each branch will review it according to the policies of the Head Office, and give a certain grace period to those who meet the requirements.

Yan Yuejin, research director of the think tank center of Yiju Research Institute, told Times Weekly that for individual loan customers affected by the epidemic, banks provide service support such as deferred repayment, which objectively helps to reduce the repayment pressure of buyers, and can also reduce the phenomenon of mortgage default or supply interruption.