After several banks launched measures to delay the repayment of housing mortgage loans in Shanghai, Shanghai Provident Fund loans have also taken new measures.
On the evening of April 8, the official wechat of Shanghai Provident Fund announced that in order to cooperate with the work related to epidemic prevention and control, those who are hospitalized or isolated due to covid-19 pneumonia, those who need to be isolated for observation in epidemic prevention and control, those who participate in epidemic prevention and control and those who temporarily lose their source of income affected by the epidemic, 2022 who cannot return the housing provident fund loan normally from March to April will not be treated after being identified, That is, no penalty interest will be paid, and it will not be submitted to the credit investigation department as an overdue record
housing provident fund remittance and supplementary payment business can be handled online
According to the official wechat news of Shanghai Provident Fund, according to the plan and arrangement of withdrawing the housing provident fund to repay the housing loan in 2022, the withdrawal date of withdrawing and repaying the loan in April 2022 is April 19. The object of this loan withdrawal and repayment is: the borrower accepted before 17:00 on April 13, 2022 who adopts the monthly withdrawal and repayment method (monthly offset) and one-time withdrawal and repayment method (annual offset, April batch), and the deduction amount is up to the balance of the borrower's provident fund account on April 14.
In addition, in order to reduce the impact of the epidemic on borrowers, Shanghai Provident Fund Center will arrange an additional annual offset in May for borrowers who apply for one-time withdrawal and repayment from April 14 to 17:00 on May 13. The municipal provident fund center will properly handle the businesses affected by the epidemic and protect the legitimate rights and interests of the deposited employees.
Housing is an important topic closely related to everyone. The epidemic has had an impact on the lives of many people, especially for individuals and small and micro enterprises with limited cash flow. How to repay housing loans in time is an urgent task.
Recently, there was news on the Internet that, "Due to the impact of the epidemic, Shanghai Provident Fund Center is in a closed state and temporarily unable to complete the business related to provident fund in March. At present, it is impossible to estimate the specific opening time in the later stage, so the employees who are in the repayment of provident fund loans may be affected by this situation. The provident fund center suggests that the employees keep enough repayment amount in the relevant repayment bank accounts to avoid the failure of automatic deduction, which will affect their personal credit investigation due to overdue repayment."
In this regard, the Shanghai Provident Fund Center recently said that it has opened up a variety of online business processing channels. The supplementary payment of housing provident fund can be handled online. A number of housing provident fund businesses, such as unit account opening, provident fund account transfer and sealing, provide online processing channels. All deposit paying units and employees can handle them online through "all in one network" and "Shanghai Provident Fund" app.
The main reason for the "failure of provident fund loan repayment and deduction" in the online legend method is that due to the impact of the epidemic, some units failed to remit the provident fund in time, which will affect the withdrawal and repayment of provident fund in April. It is not the relationship between the closure of offline outlets of provident fund.
Shanghai Provident Fund Center reminds that if the borrower's timely repayment is affected by the unit's failure to remit the provident fund in time, the borrower who has withdrawn and repaid the loan shall deposit (or retain) the repayment fund in the loan repayment card for at least one month before the agreed repayment date, so as to make full repayment on the agreed repayment date. The borrower is requested to deposit sufficient funds for repayment through commercial bank outlets and online channels.
multiple banks can postpone loan repayment and protect credit investigation
It is worth mentioning that the first financial reporter learned that before the delayed repayment of Shanghai Provident Fund was released without overdue treatment, for specific groups affected by the epidemic, many banks launched support measures such as delayed repayment and credit investigation protection in Shanghai to alleviate the repayment pressure of customers. The delayed repayment period will not affect the lender's credit investigation record, nor will it charge default interest. The maximum period of delay can be up to 6 months.
For example, BOC Shanghai Branch will provide delayed repayment services to borrowers affected by the epidemic. In the follow-up, if the borrower needs it, he can also contact the lending bank and customer manager, or call 95566 customer service to apply for deferred repayment. The branch will arrange special personnel to contact and handle it according to the actual situation of customers, and the specific period will be adjusted according to the overall work of epidemic prevention and control in Shanghai. If it is overdue due to the epidemic situation, it can also raise a credit objection to the branch and correct the corresponding overdue records.
Industrial And Commercial Bank Of China Limited(601398) Shanghai Branch said that during the epidemic period, personal loan customers repaid through online banking, mobile banking and other online channels. For customers with temporary repayment difficulties affected by the epidemic, the bank can adjust the repayment arrangement according to the actual situation and the customer's application, postpone the repayment period and alleviate the repayment pressure of customers.
China Construction Bank Corporation(601939) Shanghai Branch said that it was necessary to isolate observers for the hospitalization or isolation of people infected with covid-19 pneumonia and epidemic prevention and control; Staff involved in epidemic prevention and control, including medical workers, military police, street community workers and government staff involved in epidemic prevention and control; Customers who have temporarily lost their source of income affected by the epidemic mainly provide three types of services: first, short-term deferred repayment up to 28 days, without collection and credit investigation during the extension period; Second, adjust the bill plan. According to the situation of customers affected by the epidemic, you can choose to adjust the bill plan in stages to reduce the current installment repayment, and the reduced part will be returned in later months; 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) Shanghai Branch said that for the medical staff participating in the epidemic prevention and control, patients diagnosed, quarantined personnel, or other individual mortgage customers who temporarily lose their source of income affected by the epidemic, after verifying the relevant situation, it will provide customers with repayment grace period, extend the relief service, and give mortgage customers a grace period of up to 3 months to alleviate the repayment pressure of mortgage customers. For loans with repayment grace period, repayment within the grace period will not affect the credit investigation record.
Agricultural Bank Of China Limited(601288) Shanghai Branch said it would implement differentiated credit policies for individual housing loans affected by the epidemic. Customers with repayment pressure caused by the epidemic can postpone repayment by extending the loan grace period and adjusting the repayment cycle to alleviate the recent repayment pressure; On the premise of complying with laws, regulations and regulatory provisions, the staff participating in epidemic prevention and control who have overdue housing loans caused by non personal subjective reasons during the epidemic period will not be considered as a breach of contract, will not be included in the list of defaulting customers, and will not be charged with penalty interest; If the mortgage is overdue due to other epidemic and non personal subjective reasons, it can not be regarded as a breach of contract, will not be included in the list of defaulting customers, and will not be subject to penalty interest.
Postal Savings Bank Of China Co.Ltd(601658) Shanghai Branch said that it would provide up to six months of deferred repayment services to the hospitalized or isolated personnel infected with covid-19 pneumonia, the staff participating in the epidemic prevention and control, the isolated observers required for the epidemic prevention and control, and the mortgage customers who temporarily lost their source of income affected by the epidemic.
Shanghai Pudong Development Bank Co.Ltd(600000) said that Shanghai Pudong Development Bank Co.Ltd(600000) formulated the policy of delaying the repayment of principal and interest for the customers of housing loans and consumer loans affected by the epidemic. After the customers applied and verified by the bank, they could obtain the deferred repayment service within a certain period of time. Meanwhile, eligible online consumer loan customers can apply for loans online again according to the epidemic situation and customers' repayment ability. In addition, Shanghai Pudong Development Bank Co.Ltd(600000) has opened up a green channel to timely repair the overdue credit investigation affected by the epidemic, avoid the damage of customer credit investigation records, and effectively protect the credit investigation rights and interests of individual customers.
Industrial Bank Co.Ltd(601166) Shanghai Branch said that a grace period of up to 3 months will be given to the inpatients or quarantined personnel infected with covid-19 pneumonia, the staff participating in the epidemic prevention and control and the customers whose cash flow under the epidemic is affected; Provide personal business loans to small and micro enterprises without principal repayment and loan renewal services. Small and micro enterprises and individual industrial and commercial households in temporary difficulties can apply for extension of the loan term; For mortgage customers, mobile banking is provided for online "pay as you go" repayment, and the loan principal can not be repaid for up to 3 years.
