First, during the epidemic, is the meeting overdue for collection?
Generally speaking, there is no credit investigation. According to the Notice on Further Strengthening Financial Support for Prevention and Control in novel coronavirus jointly issued by the People's Bank of China and other five departments, financial institutions are required to appropriately tilt the credit policy, flexibly adjust the repayment arrangements of personal credit such as housing mortgage and credit card, and reasonably postpone the repayment period. Those who are hospitalized or isolated due to new pneumonia, those who need to be isolated for observation due to epidemic prevention and control, and those who temporarily lose their sources of income due to epidemic prevention and control are not included.
Second, the specific situation
If there is no source of income because of the epidemic, you can apply to the bank for deferred repayment, but how long it takes to delay repayment depends on the policies of each bank. Due to other circumstances overdue, still need to repay on time. A few days ago, some netizens received a short message from the bank to remind them to repay immediately, so as not to affect their personal credit.
If the credit card is overdue, in addition to the collection and overdue records reported to the central bank for credit investigation, once it is deemed as malicious overdue, it may go to jail. So you need to apply to the bank in advance. People who have no income due to the epidemic can delay the repayment of their mortgages. Medical personnel and government workers involved in epidemic prevention and control, during the epidemic period, personal loans overdue will not be regarded as a breach of contract, and will not enter the default customer list. The grace period of personal loan customers of China Bank in Hubei is extended to 1 1 day, and no penalty interest will be charged during the grace period, so they will not be included in the list of default customers. Those who temporarily lose their source of livelihood due to the epidemic can be given a 3-6 month delay in repayment of the principal according to the actual situation. During the grace period, they can only repay the interest but not the principal, and they can apply for an extension of the loan period. For other banks, as long as they meet certain conditions, they can apply.
In addition to credit cards and mortgages, some online loans can now apply for deferred repayment. In order to strengthen the prevention and control of the epidemic, several cities issued notices to delay the resumption of work, resulting in some borrowers unable to repay on time due to insufficient funds. If your city has issued a similar notice, you can negotiate with the online lending platform for borrowing, and some online lending platforms will postpone it according to the actual situation.
Loans that cannot be repaid temporarily during the epidemic period can be negotiated with lending institutions, and the state has also made provisions at the policy level. If there is no income to pay the loan due to the epidemic, the payment may be suspended, which does not constitute the conditions for credit investigation. Specific circumstances can be combined with the actual situation in consultation with the relevant units.
Today, the central bank, the Ministry of Finance, the China Banking Regulatory Commission, the China Securities Regulatory Commission and the foreign exchange bureau jointly issued the Notice on Further Strengthening Financial Support to Prevent and Control novel coronavirus (hereinafter referred to as the Notice). The circular was divided into five parts and introduced 30 measures to further ensure the smooth flow of financial services during the epidemic prevention and control period. In areas closely related to individuals, such as mortgage, credit card and credit investigation, this notice clarifies some special circumstances.
For those hospitalized or isolated people with new pneumonia, those who need isolated observers for epidemic prevention and control, those who have temporarily lost their livelihood due to the epidemic, 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. Personal business guarantee loans infected with new pneumonia can be extended for one year and continue to enjoy financial discount support. Financial institutions should give priority to customers infected with new pneumonia or damaged by the epidemic, appropriately expand the scope of responsibility and make full compensation.
In terms of protecting the rights and interests related to public credit reporting, the Notice proposes to reasonably adjust the submission of overdue credit records, and adjust those who are hospitalized or isolated due to new pneumonia, need to be isolated due to epidemic prevention and control, participate in epidemic prevention and control, and fail to repay in time due to the impact of the epidemic. Upon confirmation by the access institution, there is no overdue record for the relevant overdue loans, and the submitted loans can be adjusted. Individuals and enterprises that temporarily lose their sources of income due to the epidemic can submit credit records according to the adjusted repayment arrangements.
Increase credit support in the field of epidemic prevention and control
During the epidemic prevention and control period, the central bank, together with the Development and Reform Commission and the Ministry of Industry and Information Technology, implemented list management for key enterprises that produce, transport and sell medical protective clothing, medical masks, medical goggles, novel coronavirus test kits, negative pressure ambulances, sterilizers, 84 disinfectant, infrared thermometers and related drugs, and other important medical materials and important daily necessities. The central bank provides low-cost funds to financial institutions through special refinancing, and supports financial institutions to provide credit support at preferential interest rates to listed enterprises. The central government gives discount support to key enterprises for epidemic prevention and control.
This notice proposes to increase credit support in areas related to epidemic prevention and control. The circular requires that financial institutions should take the initiative to strengthen service docking with relevant hospitals, medical research units and related enterprises, provide sufficient credit resources, and fully meet the reasonable financing needs of relevant units and enterprises in health and epidemic prevention, medical supplies manufacturing and procurement, public health infrastructure construction, scientific research and technological transformation.
Pan, deputy governor of the central bank, said that during the epidemic prevention and control period, the central bank will provide a total of 300 billion yuan of low-cost special refinancing funds to major banks in the country and some local corporate banks in key provinces (cities, districts) such as Hubei, requiring banks that have obtained refinancing funds to provide credit support at preferential interest rates to important pharmaceutical and daily necessities manufacturers in the epidemic.
It is understood that on the morning of June 5438+1October 3 1, the central bank has called a meeting of relevant banks, requiring all commercial banks to actively strengthen the docking with relevant enterprises on the list, provide sufficient credit resources, and fully meet the reasonable financing needs of key enterprises.
Guarantee enterprises in industries greatly affected by the epidemic.
Normal demand for financial services
Pan said that since the outbreak of the epidemic, industries, enterprises and residents affected by the epidemic have always been the key service targets of the financial system, and the next step will be to further strengthen related financial services.
First, support related enterprises to overcome the impact of epidemic disasters by increasing financing support, appropriately reducing loan interest rates, increasing credit loans and medium and long-term loans. Enterprises seriously affected by the epidemic situation may extend or renew their loans if it is difficult to repay them at maturity.
Second, for wholesale and retail, accommodation and catering, logistics and transportation, cultural tourism and other industries that are greatly affected by the epidemic, as well as enterprises that have development prospects but are temporarily affected by the epidemic, especially small and micro enterprises, financial institutions are not allowed to blindly lend, cut off loans or pressure loans.
The third is to establish a "green channel" for financial services, simplify business processes and improve the efficiency of financial services such as loan approval.
The fourth is the capital demand of epidemic prevention units and enterprises with difficulties in market financing. Development policy financial institutions should strengthen overall coordination, adjust credit arrangements according to their own business scope, and reasonably meet the needs of epidemic prevention and control.
The circular also clarified specific measures to provide differentiated preferential financial services to regions, industries and enterprises that are greatly affected by the epidemic.
Specifically, the five departments require financial institutions to improve the financial supply capacity of areas seriously affected by the epidemic by adjusting regional financing policies, internal fund transfer pricing, and implementing differentiated performance appraisal methods.
Enterprises seriously affected by the epidemic situation may extend or renew their loans if it is difficult to repay them at maturity. Support related enterprises to overcome the impact of epidemic disasters by appropriately reducing loan interest rates, increasing credit loans and medium and long-term loans. Government financing guarantee re-guarantee institutions at all levels should cancel the counter-guarantee requirements and reduce the cost of guarantee and re-guarantee. For financing guarantee re-guarantee institutions in areas with severe epidemic, the national financing guarantee fund will charge re-guarantee fees by half.
So remind friends not to have bad credit records, not to default on any expenses in life, and if there are certain difficulties, choose the minimum repayment amount and installment. If there is overdue, don't let the lending institution ignore the dunning, because the longer the arrears, the more serious the impact on your credit and the more expenses will be incurred. Only by maintaining personal credit can we get more resources when we need help.
During the epidemic, people who live in isolation at home have no income for nearly two months and have to bear daily expenses. What about mortgage and car loan? Or unfortunately infected with the virus, isolated in the ward, or suspected cases isolated, as well as medical staff fighting in the front line, many people will worry about this problem.
At this critical moment, the bank announced that the following four categories of people would not submit overdue repayment records.
The first category: hospitalized or isolated patients with new pneumonia.
The second category: the prevention and control of epidemic situation needs to isolate observers.
The third category: personnel involved in epidemic prevention and control.
The fourth category: individuals and enterprises that have temporarily lost their sources of income due to the epidemic.
Need to remind everyone that the above four types of people need to communicate with the bank in advance and upload relevant certificates, and the credit can only be adjusted after it is approved by the bank. Of course, if the staff involved in epidemic prevention and control don't have the time or opportunity to communicate with the bank in advance, they should feed back the relevant information to the bank in time afterwards, so as not to affect personal credit information due to overdue records.
The epidemic came suddenly, I couldn't go to work, I didn't have income, and the necessary expenses of life were essential, such as daily living expenses, mortgage and car loan, etc. In order to keep my credit card from overdue, it affected my credit investigation. You can only live by changing the software first, as shown above. I hope I can go ashore as soon as possible after the epidemic! [Pray] [Pray] [Pray]
I feel that it will have a great impact. Stopping work every day means I can't make ends meet. Even a college student is worried about spending money. This is still a relatively small pressure. It is conceivable to change to a mortgage loan.
Latest News: On February 1, Pan, Vice Governor of China People's Bank, was interviewed by the media on the Notice on Further Strengthening Financial Support for Prevention and Control in novel coronavirus. The notice stated that financial institutions were required to give appropriate preferential credit policies to those who were hospitalized or isolated due to new pneumonia, those who needed to be isolated for observation due to epidemic prevention and control, those who participated in epidemic prevention and control, and those who temporarily lost their livelihood due to the epidemic. Flexibly adjust the repayment arrangement of personal credit such as housing mortgage and credit card, and reasonably postpone the repayment period. If the repayment is overdue due to inconvenience during the epidemic, it will not be included in the credit record!
However, it should be noted that mortgage extension does not mean mortgage relief! You still have to pay the mortgage, but you can pay it later.
During the epidemic, primary and secondary schools all over the country postponed the start of school and implemented live webcasting classes. In order to further protect the life, health and safety of teachers and students, various localities have also introduced corresponding management measures to avoid the spread of the epidemic caused by crowd gathering and mobility, which has changed the holiday life of the majority of primary and secondary school students and the study and life style of students at home. In order for parents to better guide students to study at home and let their children get proper relaxation and rest during holidays, children's self-control is not as good as admitting that the school has a unified schedule when they go to school. Children's life is more regular during rest time.
Children will get excited when they are at home on holiday. Snack toys at home and electronic devices such as televisions, computers and mobile phones will also take away most of their attention. Without any plans and arrangements, children will easily play without restraint. It was not until the beginning of school that I found that a holiday had nothing but decreased motivation and tired brain, which would also greatly affect the state of children after school.
Parents can use this holiday to cultivate their children's time management ability. Using this opportunity, parents can guide their children to arrange the pace of life, learn how to make and implement plans, make full use of time and do more meaningful things.
According to the Notice on Further Strengthening the Financial Support for the Prevention and Control of novel coronavirus jointly issued by the People's Bank of China and other five departments, financial institutions are required to 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. If the repayment is overdue due to inconvenience during the epidemic, it is not needed.
It doesn't matter. The bank is a meat grinder. I got stuck last year. I worked in a bank for a year, and now I still owe more and more.