Legal analysis: As far as the concept that the contract should be strictly observed is concerned, after the lease contract is concluded, the lessee has the obligation to pay the rent, and in principle, the risk of paying the rent is borne by the lessee. On the one hand, the epidemic is force majeure, and the lessee can request to reduce part of the rent according to the regulations, and fulfill the collateral obligations of notifying and avoiding the expansion of losses. On the other hand, in order to control the epidemic, the Chongqing municipal government requires enterprises to delay the resumption of business, and advocates that state-owned rental enterprises and institutions reduce rents to help small and medium-sized enterprises overcome the difficulties. Then the people's court can make a judgment based on the principle of fairness and combined with the specific situation if the lessee requests rent reduction due to the failure to start the market normally due to the administrative order of the government. However, the purpose of the contract for renting a house for residential use is to occupy the house. The epidemic situation does not lead to the failure of the purpose of the contract, and the lessor should not bear the responsibility of rent reduction and exemption according to law. And the nature is not a commercial facade, shops, office buildings, can not be compared with it. Generally speaking, the national bank will not reduce the mortgage payment because of the epidemic, but it can apply for an extension of payment.

legal basis: article 9 of the notice of the general office of Xiamen municipal people's government on printing and distributing some work requirements for actively responding to the novel coronavirus epidemic and promoting the healthy development of the real estate market, during the epidemic prevention and control period, support state-owned enterprises to appropriately reduce or postpone the payment of two months' rent for self-sustaining long-term rental apartments, and advocate institutional leasing enterprises to appropriately reduce or postpone the payment of two months' rent, which can be adjusted according to the development of the epidemic. During the epidemic period, the above-mentioned enterprises that have implemented rent concessions can be given 51% support according to the property tax and land use tax paid during the rent reduction and exemption period, and the amount of support does not exceed the total rent reduction and exemption.