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Due to the epidemic, I cannot pay off my mortgage or credit card in time. What should I do?

Major banks have already issued announcements. If the loan is not repaid due to the epidemic, the repayment can be postponed if the situation is true. However, when the repayment is actually reached, it will affect the whole body. Yes, because the conditions given by the bank are all limited, and the key is to know the trade-offs. Let’s elaborate on the bank’s regulations: 1. Medical staff and government workers participating in epidemic prevention and control.

During the epidemic, front-line workers are the ones who have the hardest time. Their salaries are actually not very high. While participating in epidemic prevention and control, it is obvious that their other family members have to bear the burden of family expenses. In this way, the main source of income will be reduced, and they will be in a more difficult situation, making it reasonable for them to delay repayment. 2. Confirmed patients.

Then there are those who have been diagnosed during the epidemic. Judging from the current situation, the confirmed patients will not be able to go to work for at least one and a half months during treatment, including hospitalization and isolation. , coupled with everyone's current views on the epidemic, the way people around him look at him after he is discharged from the hospital and some isolation from his colleagues in the company are unavoidable, so these people should indeed be treated with preferential treatment. 3. Quarantine personnel (including quarantine observation personnel).

In addition to those who have been diagnosed, there are also those who are both unlucky and lucky to be quarantined. Although these people in close contact or in closed and controlled areas can ensure that they have enough food and clothing during the quarantine, their work is also difficult. There are many things that cannot be carried out because not all industries can work from home. Many skilled workers and factory workers are unable to work from home. They are quarantined, which means that in terms of income, they can only receive a basic salary and no other income. As we all know, no matter what industry, only a basic salary is paid. Next, the income is not high. 4. People who have no income due to the epidemic.

The catering service industry has been hardest hit by the epidemic. During the three years of the epidemic, you have no way of predicting when you will lose your job. Because this is so volatile, it is difficult for those in the catering service industry. Moreover, in many cases, livelihood industries such as catering will be given priority when the lockdown is lifted, but industries such as beauty, fitness, and movie theaters are more difficult to access than catering. Just as not all industries can work from home, catering is also different from other service industries. Those who serve meals can take out food, but others cannot.

However, deferred repayment also requires repayment, which does not mean that you can not repay it. The impact of the epidemic does not happen overnight. Specifically, you must have income to truly weather the crisis. Get through this difficulty.