What if some people can’t repay the mortgage on time affected by the epidemic? The five major banks of industry, agriculture, China Construction and communications exclusively responded to Xinhua News Agency reporters on the 7th. For individual housing loan customers affected by the epidemic, they can provide service support, including delaying repayment time, extending loan term, adjusting bill plan, etc.
China Industrial And Commercial Bank Of China Limited(601398) said that for individual loan customers affected by the epidemic, they will be given support for individual loan deferred repayment service. During the period of deferred repayment, customers will not be included in the list of defaulting customers. At the same time, they will do a good job in credit investigation protection and continue to strengthen customer service.
China Agricultural Bank Of China Limited(601288) said that customers who put forward demands such as delaying repayment time, reducing default interest and eliminating overdue credit records due to the epidemic can enjoy the customer care policy of personal housing loan if they meet the relevant conditions. Customers can directly contact the loan handling bank or customer manager to consult relevant handling conditions and procedures. You can also call the customer service center of ABC, and the customer service personnel will collect the information and send it to the customer loan handling bank.
Bank Of China Limited(601988) said that BoC has specially issued a package of personal housing loan guarantee policies, including online repayment of mobile banking, extension of loan term, delayed repayment of principal and interest, and setting of preferential repayment period, to guide branches in key areas of epidemic prevention and control, such as Shanghai and Jilin, to actively respond to customer demands and target hospitalized or isolated personnel infected with covid-19 pneumonia The staff involved in the epidemic prevention and control and the customers who have temporarily lost their source of income affected by the epidemic, implement policy arrangements and continue to provide financial services in the field of social and people’s livelihood affected by the epidemic.
China China Construction Bank Corporation(601939) said that since the outbreak of covid-19 pneumonia, CCB has issued relevant service policies such as deferred repayment during the epidemic for housing mortgage, consumer loan and other businesses, and has continued to this day. It mainly provides three types of services: first, short-term deferred repayment of up to 28 days, without collection and affecting credit investigation during the extension period; Second, adjust the bill plan. After the epidemic situation, the repayment amount will be adjusted to the current month, and the repayment amount will be reduced by installments according to the situation of the epidemic situation; Third, extend the overall term of the loan, postpone the maturity date and reduce the amount of installment repayment.
Bank Of Communications Co.Ltd(601328) said that since the covid-19 pneumonia epidemic, the relief policy for mortgage loan customers during the epidemic period has been issued, allowing a certain grace period for customers whose repayment ability has temporarily decreased due to the epidemic. Focus on the medical staff, government staff and their spouses participating in the epidemic prevention work, patients diagnosed, quarantined personnel, and employees in industries greatly affected by the epidemic. Customers can apply to the branch to which the loan belongs. Local branches will review it according to the policies of the head office, and give a certain grace period to those who meet the conditions.
