11. Bank of China

If personal loans and credit card overdrafts at Bank of China, Bank of China Fudeng Village Bank and Bank of China Consumer Finance Co., Ltd. are overdue during the epidemic, they will be given a grace period for repayment, which will not be counted as a breach of contract, and will not be counted as overdue personal credit records.

The relevant interest and late payment fees can be reduced or exempted, and you can apply for credit repair. Loans overdue, an individual who participated in epidemic prevention and control, is not regarded as violating the rules, and the grace period for repayment of personal loans in Hubei is extended to 11 days. For people who temporarily lost their income sources due to the epidemic in Hubei, the repayment of principal can be delayed for 3-6 months according to the actual situation.

12. Industrial and Commercial Bank of China

Any medical staff and staff members who participated in epidemic prevention and control, as well as confirmed patients, suspected persons and their spouses, whose personal loans and credit card overdrafts in ICBC were overdue due to inconvenience in repayment during the epidemic period, will not be counted as breach of contract and will not be included in the list of defaulting customers.

13. The Agricultural Bank of China

flexibly adjusts the repayment arrangements of personal credit such as housing mortgage, credit card and farmers' loan for customers who have temporarily lost their income sources due to the epidemic, and reasonably delays the repayment time.

under the premise of complying with laws, regulations and regulatory requirements, if the personal loans and credit card overdrafts of the staff participating in epidemic prevention and control are overdue during the epidemic period, they will not be regarded as breach of contract for the time being, and will not be included in the list of defaulting customers, and no penalty interest will be charged.

other overdue personal loans, credit card overdrafts and farmers' loans caused by the epidemic and non-personal subjective reasons will not be regarded as breach of contract, and will not be included in the list of defaulting customers, and no penalty interest will be charged.

14. Construction Bank

Medical staff and government workers who participated in epidemic prevention and control, whose personal loans and credit card overdrafts in China Construction Bank were overdue during the epidemic period, will not be regarded as breach of contract, and will not be included in the default customer list. For enterprises that are affected by the epidemic and encounter temporary difficulties, we will give full support through credit restructuring and reduction of overdue interest according to the actual situation.

The operating loans of small and micro enterprises and individual industrial and commercial households in Hubei Province will be reduced by 1.5 percentage point on the current basis.

15. Bank of Communications

Optimize the personal credit service for people participating in epidemic prevention and control. For the staff participating in epidemic prevention and control, if personal loans and credit card overdrafts in Bank of Communications are overdue during the epidemic period, it will not be regarded as a breach of contract and will not enter the list of defaulting customers.

16. China Merchants Bank

For other customers who need credit during the epidemic, China Merchants Bank will optimize the credit granting and withdrawal process.

a personal account needs to be registered and reviewed according to the deposit and running water of the personal account, and the loan can only be postponed if it is approved.

ps: At present, China Merchants' handling of mortgage extension is mainly aimed at Wuhan and its surrounding cities. If buyers need to handle the extension, they can call the service hotline or contact the account manager to register, and the bank will judge whether to allow the extension according to the customer's situation.

17. China Everbright Bank

provides personal credit loans with a maximum amount of 311,111 yuan, free of mortgage and guarantee, specially for medical staff and their immediate family members who are fighting against the epidemic in Wuhan, and all of them enjoy preferential loan interest rates.

The overdue personal loans and credit card overdrafts of these medical staff during the epidemic prevention period are not regarded as breach of contract, not entering the list of defaulting customers, and will not affect personal credit information. Moreover, their credit cards are free of annual fees for life, and the "sunshine culture" of Everbright Bank is "angels in white" to relieve worries and send warmth.

18. CITIC Bank

gives certain repayment grace to personal loan customers who have lost their income sources for a short time due to the epidemic. The overdue loans of medical staff involved in epidemic prevention and control and those who are isolated due to illness are not included in the overdue credit information, and no overdue penalty interest is charged.

for loans in industries such as wholesale and retail, accommodation and catering, logistics and transportation, cultural tourism, automobile sales, commercial property, etc., which are greatly affected by the epidemic, eligible customers are given a grace period for repayment.

19. Ping An Bank

provides care policies to medical staff who are fighting in the front line of medical care, customers infected with novel coronavirus, and customers in Hubei who have delayed repayment due to epidemic control.

if this kind of customers' repayment is affected, they can make feedback to the local branch through Ping An Pocket Bank App online customer service and service hotline 95511, and Ping An Bank will appropriately postpone repayment, reduce interest expenses and provide credit protection according to the customer's situation.

11. Shanghai Pudong Development Bank

For the personal loan customers who have temporarily lost their income sources due to the epidemic, reasonable measures such as "adjusting repayment plans and strengthening loan renewal support" are adopted to alleviate the repayment pressure of customers; Do not refuse to accept customer loan applications because of the epidemic;

the customer's objection application that loans overdue will affect personal credit information due to this epidemic will be handled according to the guiding requirements of the Credit Information Center of the People's Bank of China; Moderately reduce the interest rate level of some personal loan products.

medical staff and government workers who participated in epidemic prevention and control, and credit card customers who temporarily lost their income sources due to the inconvenience of repayment and the impact of the epidemic, reasonably delayed the repayment period.