National policy of stopping interest and paying debts

1.What is the national policy to stop paying interest in 2022? 1. China Merchants Bank does not reduce the penalty interest and liquidated damages, and the current arrears can be divided into 36-48 installments, and the collection behavior is stopped;

2. Shanghai Pudong Development Bank will reduce part of the penalty interest and liquidated damages, which can be divided into 36-60 periods;

3. Minsheng Bank needs to make a down payment of 10% to partially or completely reduce the penalty interest and liquidated damages, which can be divided into 48-60 installments;

4. CITIC Bank, which needs a down payment of 5% to 10%, can be divided into 48-60 installments without reducing the penalty interest and liquidated damages;

5. Guangfa Bank does not reduce the penalty interest and liquidated damages, but there are some handling fees, which can be divided into 24-36 installments;

6. China Construction Bank pays 30% down payment for the 48-60 period, and there is no other handling fee.

Second, will there be a credit stain after applying for payment suspension? Yes, there will be credit stains. Because users repay on time after applying for suspension of payment, they will leave a record on credit; If the application for suspension of payment is overdue, it will directly affect the credit. And many of them can only be suspended after the deadline.

The bank's suspension of interest payment is aimed at users who fail to repay the principal and interest according to the regulations. The bank temporarily stopped calculating interest and paid the remaining arrears. Therefore, generally successful users are overdue, so there will be overdue records on credit records, which will definitely affect credit.

Third, does the stop-and-go account affect the use of other credit cards? Stop-and-go accounts of credit cards will affect the use of other credit cards.

If the user repays the loan on time after the application, the suspension of interest payment will only affect the user's withdrawal application and other operations. If the user fails to repay the loan on time after applying for suspension, resulting in overdue, then other credit cards under this user name will be downgraded.

Usually, the suspension of credit card will affect the rise and fall of credit line or post-loan management. If you don't want your credit card to be downgraded, you'd better repay it on time and don't overdue it.

The above is the relevant content of the national policy of stopping interest and paying debts. Is everyone clear? Regarding the suspension of interest payment, although it can solve the current repayment problem well, the influence of overdue will still exist, so there is no absolute good thing. If you want to avoid this situation, you can only repay on time, use your credit card according to your ability, and don't overspend.