Affected by the novel coronavirus epidemic, the income decreased during the epidemic, and what should I do if the mortgage is not paid? The reporter learned that commercial banks such as Shenzhen Industrial and Commercial Bank, Minsheng Bank and Ping An Bank, led by Shenzhen banking institutions, have provided mortgage deferred repayment or interest rate reduction support for groups greatly affected by the epidemic. In addition, during the epidemic, if these specific groups are inconvenient to repay, they will not be considered as breach of contract and will not affect personal credit information.

What are the specific conditions for special groups to obtain deferred loan repayment or interest reduction in a special period? The reporter learned that the situation of each bank is different. For example, for front-line medical staff, confirmed patients and Hubei personnel, Ping An Bank's policy is to postpone repayment appropriately according to the actual situation, and at the same time, appropriately reduce the interest expenses of customers' loans; For medical personnel, staff members or confirmed patients, suspected persons and their spouses involved in epidemic prevention and control, ICBC's policy is that it is not a breach of contract if it is inconvenient to repay during the epidemic; For individuals affected by the epidemic, China Merchants Bank provides credit guarantee and deferred repayment during the epidemic; Minsheng Bank's policy is to reasonably postpone repayment for medical personnel, army officers and government officials involved in epidemic prevention and control, as well as those who are hospitalized or quarantined due to new pneumonia, those who need to be quarantined due to epidemic prevention and control, and customers who temporarily lose their income sources due to the epidemic.

For how long it can be extended, a number of banks said that it can be extended, and the period is temporarily from ten days to one month. For example, China Construction Bank, medical personnel and government workers engaged in epidemic prevention and control can apply for an extension of one month or several months; Bank of China, for people who temporarily lose their income sources in key epidemic areas, gives a policy of delaying repayment of principal for 3 to 6 months.

Banking industry insiders reminded that the mortgage extension is not for everyone, mainly for the following four categories of people: First, confirmed patients and suspected cases; Second, the staff involved in epidemic prevention and control, including medical personnel, government staff, military officers and soldiers. ; Third, people in epidemic areas, including Hubei Province and Zhejiang Province; The fourth is to engage in industries (including operators) seriously affected by the epidemic, such as catering, accommodation, logistics and transportation. If you are not in the above four categories, you need to contact the loan bank for advice and help.

How to apply for deferred repayment? You can call the service hotline of the loan bank, the customer service will register the information, and the account manager of the mortgage institution will follow up. It should be noted that each bank has different regulations on deferred repayment. Please consult the customer service of the bank or apply to the loan bank in advance for specific rules. "If you don't apply in advance, there may be overdue records, which will bring unnecessary trouble." A person from the credit department of Minsheng Bank Shenzhen Branch said.