Legal analysis: Financial institutions can flexibly adjust the repayment arrangements of personal credit such as housing mortgage and credit card for those who are hospitalized or isolated due to infection in COVID-19, those who need isolation observation due to epidemic prevention and control, those who participate in epidemic prevention and control, and those who temporarily lose their livelihood due to the epidemic, and reasonably postpone the repayment period.

Legal basis: Article 4 of the Notice on Further Strengthening Financial Support for the Prevention and Control of novel coronavirus Epidemic has improved the financial services for the people's livelihood affected by the epidemic. For those hospitalized or isolated people with new pneumonia, those who need isolated observers for epidemic prevention and control, those who have temporarily lost their livelihood due to the epidemic, financial institutions should appropriately tilt their credit policies, flexibly adjust personal credit repayment arrangements such as housing mortgage and credit card, and reasonably postpone the repayment period. Personal business guarantee loans infected with new pneumonia can be extended for one year and continue to enjoy financial discount support. Financial institutions should give priority to customers infected with new pneumonia or damaged by the epidemic, appropriately expand the scope of responsibility and make full compensation.