Recently, the situation of epidemic prevention and control across the country is grim. Many places have taken sealing and control measures. Many citizens have been sealed at home, unable to work, lost their source of income and failed to get a mortgage. What should we do?
Recently, many citizens have sought help online in the hope of delaying the repayment period of housing loans. In this regard, all banks have responded. Some banks say they can, while others can’t; There are also banks, some places can, some places can not
no income due to epidemic
many citizens ask for help online to postpone housing loans
Recently, a screenshot of “citizens asking whether banks can delay housing loans due to the impact of the epidemic” spread on the Internetp align=”center” style=”text-align:center;”> Image source: screenshot of online transmission
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 pay off about 5000 yuan of housing loans on the 1st of each month. He hoped that China Citic Bank Corporation Limited(601998) 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 .
Coincidentally, according to surging news, recently, a netizen in Gansu, Mr. Zhang, released help information on the “war epidemic service platform” of surging news, saying that none of the cases in Jingyuan County, Baiyin City, where he is located, have been positive, but the epidemic has been closed for more than ten days on weekdays, he can’t get out and has no income. He can’t repay his mortgage and car loan and his children have to eat milk powder. I hope surging news can help contact the local government and banks to negotiate to postpone the repayment time.
On April 2, the relevant departments of Jingyuan County replied to Mr. Zhang’s request for help that the local community had learned about Mr. Zhang’s family. Mr. Zhang usually worked odd jobs for a living, his wife was unemployed and his child was only two months old, which was true. The local community has offered condolences to Mr. Zhang’s family and presented rice, noodles and other food. Mr. Zhang can also contact his township where he registered residence to apply for relief funds. For the delayed repayment of housing loans and car loans mentioned by Mr. Zhang, Mr. Zhang can directly apply to the lending institution.
In the afternoon of the same day, the reporter called Industrial And Commercial Bank Of China Limited(601398) Jingyuan sub branch where Mr. Zhang handled housing loans. A staff member of the bank’s credit department said, if Mr. Zhang does not have income due to the closure of the epidemic and cannot repay on time, he can postpone the repayment time . After the closure of the epidemic, Mr. Zhang can submit a written application certificate to the bank and go through the procedures of delayed repayment, up to 6 months .
Mr. Zhang also said that he would also apply to car loan institutions for delayed repayment.
In addition, in response to Mr. Zhang’s question that there are no cases in Jingyuan County, but the epidemic has been sealed for more than ten days, the relevant departments of Jingyuan County replied that the sealing and control measures are the unified deployment of Baiyin City.
The reporter found that Baiyin City governs Baiyin and Pingchuan districts and Huining, Jingyuan and Jingtai counties. As of 24:00 on April 1, a total of 19 confirmed cases of covid-19 pneumonia had been reported in Baiyin City. The confirmed cases were mainly concentrated in Jingtai County and Baiyin district. In addition, there are 35 cases of asymptomatic infection in Baiyin City, which are also located in Jingtai County and Baiyin district.
several banks said they could postpone repayment
some banks have geographical restrictions
According to Red Star News, China Citic Bank Corporation Limited(601998) a customer service staff said that due to the epidemic situation, the policy of delaying housing loans can be applied for, at present, the bank has only received notices in some areas of Suzhou, Fuzhou, Shenzhen and Hebei, “there are no areas such as Shanghai and Changchun.”
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.
Subsequently, the reporter successively dialed the customer service telephone numbers of 8 banks, including China Construction Bank Corporation(601939) , Agricultural Bank Of China Limited(601288) and so on.
According to the survey results, Postal Savings Bank Of China Co.Ltd(601658) , Bank Of Communications Co.Ltd(601328) , Industrial And Commercial Bank Of China Limited(601398) , Industrial And Commercial Bank Of China Limited(601398) 3 bank customer service made it clear that “it 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 Bank Of China Limited(601988) “according to the information we inquired, Jilin citizens can apply for it, but there is no ” said a customer service in Shanghai
The reporter found that as early as 2020, according to the requirements of relevant documents, during the prevention and control of epidemic situation, if the hospitalized or isolated personnel infected with new pneumonia, the isolated observers for epidemic prevention and control or the staff participating in epidemic prevention and control fail to repay in time due to the impact of the epidemic situation, they can put forward to the bank. After confirmation, the relevant overdue loans and arrears can be submitted to , Those already submitted shall be adjusted. In addition, for those hospitalized or isolated due to infection with new-type pneumonia, observers who need to be isolated for epidemic prevention and control, staff participating in epidemic prevention and control, and people who temporarily lose their source of income affected by the epidemic, financial institutions can flexibly adjust personal credit repayment arrangements such as housing mortgage and credit card, and reasonably postpone the repayment period .
Screenshot from the central bank website (Red Star News)
