Can we postpone the mortgage payment due to the epidemic?Six major banks responded

2022-05-16 0 By

Recently, many people have reported that the continuing epidemic has had an impact on personal income, resulting in mortgage repayment difficulties.Yesterday, the headquarters reporter obtained an exclusive response from six large state-owned commercial banks: affected by the epidemic, customers who meet the requirements can apply for mortgage repayment extension.People affected by the epidemic can apply for deferment of mortgage repayment, including those who have been hospitalized or quarantined due to the novel pneumonia, and those who need to be quarantined for epidemic prevention and control.Workers participating in epidemic prevention and control;Customers who temporarily lost their source of income due to the epidemic.Banks have different policies for deferment.■ INDUSTRIAL and Commercial Bank of China will provide personal loan deferment service to personal loan customers affected by the epidemic.During the period of delayed repayment, customers will not be included in the list of defaulting customers. Meanwhile, credit investigation protection will be provided to customers and customer service will be continuously strengthened.■ Agricultural Bank of China will provide the above care policy to customers who request to postpone repayment time, reduce penalty interest rate and eliminate overdue credit investigation records due to the epidemic.Customers can directly contact the loan handling bank, or call the customer service center of ABC for information registration, and the handling bank will give reasonable delay of repayment time, exemption of credit investigation and reduction of penalty interest according to the actual situation.■ The Bank of China specially issued a package of personal housing loan guarantee policies, including extending the loan term, delaying the repayment of principal and interest, and setting the repayment preferential period.According to the Shanghai branch of bank of China, if customers are overdue due to the epidemic, they can file an objection to the bank to correct their overdue records.The Jilin Branch of Bank of China has set a grace period of 10 days for customers in Jilin Province to repay the debt within the grace period, without penalty of interest or credit investigation. Eligible customers will delay the repayment period of up to 3 months, and the period will be extended appropriately if the epidemic extends.■ China Construction Bank provides three types of services to eligible customers: short-term deferred repayment of up to 28 days, no collection within the extended period does not affect credit investigation;Adjust the bill plan, reduce the installment payment of the current period according to the epidemic situation in each region, and postpone the repayment of the reduced part to the next month;Extend the term of the loan, extend the overall term of the loan, postpone the due date, reduce the installment payment.At the same time, CCB will implement credit investigation protection measures for customers who meet the conditions of deferred repayment.■ Bank of Communications of China has taken various measures to support eligible customers nationwide to postpone mortgage repayment.The Shanghai Branch of Bank of Communications can give a maximum grace period of 30 days for the principal repayment to the customers who take online mortgage loans, and a grace period of 3 months for the eligible customers and their spouses.■ PSBC offers qualified customers a repayment extension of up to six months.At the same time, for the credit investigation issues that customers are concerned about, we will strictly implement the policy on the protection of credit investigation rights and interests, and make it clear that qualified mortgage customers whose repayment remains unchanged due to the impact of the epidemic can be assisted in adjusting the overdue credit investigation records related to the epidemic.Source: “News Broadcast” wechat official account