Recently, a screenshot of “due to the impact of the epidemic, citizens asked whether banks could delay housing loans” was circulated on the Internet.
In the screenshot, a citizen who lives in Kunshan said that he was working in Shanghai and was unable to work due to the epidemic. He had no income and had to repay about 5000 yuan of housing loans on the first day of each month. He hoped that China Citic Bank Corporation Limited(601998) ( China Citic Bank Corporation Limited(601998) . SH) could postpone the repayment period of housing loans or reduce the housing loans for half a month. In response, China Citic Bank Corporation Limited(601998) Kunshan sub branch responded that at present, the bank has no relevant provisions on mortgage reduction due to the epidemic. According to the regulations of the bank, the delay of mortgage repayment for one day will affect the credit investigation record, and the lawsuit procedure will be started if it is delayed for three months. Please be sure to repay the mortgage on time.
For this screenshot, red star capital Bureau dialed China Citic Bank Corporation Limited(601998) Kunshan sub branch, but no one answered.
China Citic Bank Corporation Limited(601998) a customer service staff told the Red Star capital bureau that can apply for the policy of delaying housing loans due to the epidemic. At present, the bank has only received the notice in some areas of Suzhou, Changchun, Fuzhou, Shenzhen and Hebei, “there are no areas such as Shanghai and Changchun for the time being.”
The customer service said that according to past experience, relevant policies may be released in Shanghai, Changchun and other regions in the next week. “We will formulate corresponding policies according to the epidemic situation, but the policies have a certain lag.” The customer service explained.
In addition, the Red Star capital Bureau has successively dialed the customer service telephones of 8 banks, including China Construction Bank Corporation(601939) ( China Construction Bank Corporation(601939) . SH) and Agricultural Bank Of China Limited(601288) ( Agricultural Bank Of China Limited(601288) . SH).
According to the survey results, the customer service of three banks Postal Savings Bank Of China Co.Ltd(601658) ( Postal Savings Bank Of China Co.Ltd(601658) . SH), Bank Of Communications Co.Ltd(601328) ( Bank Of Communications Co.Ltd(601328) . SH), Industrial And Commercial Bank Of China Limited(601398) ( Industrial And Commercial Bank Of China Limited(601398) . SH) made it clear that ” ‘can be delayed due to the impact of the epidemic. “
“You can tell us your specific situation. After we register, we will feed back to the loan center, and they will connect with you on how to apply.” Industrial And Commercial Bank Of China Limited(601398) ‘s a customer service said. As for the time limit for applying for extension, Postal Savings Bank Of China Co.Ltd(601658) a customer service told the Red Star capital Bureau: “it depends on the specific situation.”
In addition, the customer service of five banks, including China Construction Bank Corporation(601939) , Agricultural Bank Of China Limited(601288) and others, said that they “didn’t receive the notice.” However, they disclosed that they can specifically consult the loan manager and the handling network whether they can handle it A customer service of Bank Of China Limited(601988) ( Bank Of China Limited(601988) . SH) said, “according to the information we inquired, citizens of Jilin can apply for it, but Shanghai has not yet.”
Red Star capital Bureau found that as early as 2020, according to the requirements of relevant documents, during the epidemic prevention and control period, if it is hospitalized or isolated personnel infected with new pneumonia, observers who need to be isolated for epidemic prevention and control or staff participating in epidemic prevention and control fail to repay in time due to the impact of the epidemic, it can put forward to the bank. After confirmation, the relevant overdue loans and arrears can not be recorded and submitted, Those already submitted shall be adjusted. In addition, it is also required that financial institutions can flexibly adjust individual credit repayment arrangements such as housing mortgage and credit card, and reasonably postpone the repayment period for those hospitalized or isolated due to infection with new pneumonia, those who need to isolate observers for epidemic prevention and control, those who participate in epidemic prevention and control, and those who temporarily lose their source of income affected by the epidemicP align = “center” screenshot from the central bank website
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