? ? Because of the epidemic and can not repay the mortgage, should be timely and lending bank communication and coordination, apply for loan extension. After the bank's approval, apply for the extension of repayment procedures and postponement of repayment.

The little ones know that, affected by the new crown epidemic, the current situation of the epidemic around the world is grim and complex. In accordance with the epidemic dynamic clearance requirements, the prevention and control work around the tight and steady progress, some cities provide for enterprises to implement flexible office, nine small places to suspend business. In this case, some people not only income is affected, decline, or no income, and the previous from the bank for mortgage, the need to repay the month by month this part of the people, due to the above factors, the repayment of the source of income has become a problem, and even some people can not repay the loan. As a financial institution practitioners, I and my partners *** with the same talk, due to the epidemic and can not repay the mortgage solution it.

In January 2020, the People's Bank of China and other four departments issued the "Notice on Further Strengthening Financial Support for the Prevention and Control of the New Coronavirus Infection Pneumonia Epidemic" (Yinfa [2020] No. 29), which stipulates that "hospitalized or quarantined persons infected with the new type of pneumonia, the prevention and control of the epidemic need to be isolated and observed, and to participate in the prevention and control of the epidemic staff, and the people who have temporarily lost their source of income due to the epidemic, financial institutions should give appropriate preference in credit policy, flexibly adjust the repayment arrangements for housing mortgage, credit cards and other personal credits, and reasonably postpone the repayment period."

In accordance with the above policy provisions, the impact of the epidemic, the temporary loss of income sources of the population, financial institutions can reasonably delay the repayment period. Reportedly, the impact of the epidemic, the current relevant banks have accepted the late repayment of loans : Industrial and Commercial Bank of China for the impact of the epidemic personal loan customers, to give personal loan repayment service support; Agricultural Bank of China for the reason of the epidemic put forward delayed repayment time, reduce or waive the penalty interest, eliminate the overdue credit record and other appeals to the customer, in line with the relevant conditions, are available to enjoy the personal housing loan customer Bank of China implemented policy arrangements for people hospitalized or quarantined due to the infection of new coronary pneumonia, staff who participated in the prevention and control of the epidemic, and customers who had temporarily lost their sources of income due to the epidemic; Construction Bank of China introduced a policy of deferring repayment during the epidemic, which has been extended to the present day; and Bank of Communications allowed a certain grace period for customers who were affected by the epidemic and whose repayment ability had been temporarily reduced. Bank of Communications allows a grace period for customers whose repayment ability has been temporarily reduced due to the epidemic. The first thing you need to do is to get your hands on a new one, and you'll be able to do that.

In fact, the state in the epidemic during the introduction of the relevant relief policy has long been on the ground. For the impact of the epidemic, the temporary loss of source of income, the need to extend the repayment of partners, you can apply to the lending bank to extend the repayment, the focus is to submit to the bank by the impact of the epidemic, the temporary loss of source of income of the relevant supporting materials. After the bank's finalization, you can apply for the rollover procedures. In accordance with the provisions of the extension period, the bank does not charge the borrower late interest and default.

In short, affected by the epidemic, for the temporary loss of source of income, can not repay the mortgage partners, according to the provisions of the bank to apply for a rollover repayment, use the national policy of benefiting the people, otherwise the bank will be dealt with according to the overdue loans.

Expanding knowledge: rollover

The rollover is a loan that cannot be returned by the due date, and is approved for an extension of the return time. Borrowers in the loan period occurred during the temporary financial difficulties, resulting in the loan principal can not be repaid on schedule, and meet the conditions of the extension provisions, to the lending bank to apply for an extension.