If necessary during the epidemic, you can apply to the bank to postpone the repayment of the mortgage, which is the only solution, because it is impossible to directly deduct the mortgage of the client during the epidemic. In addition, the CBRC has not uniformly stipulated the specific time for banks to delay repayment of mortgages. Special group mortgage overdue, after explaining the situation to the bank, will not affect the credit history. In the Notice on Further Strengthening Financial Support for the Prevention and Control of novel coronavirus, financial institutions should appropriately tilt the credit policy, flexibly adjust the repayment arrangements of personal credit such as housing mortgage and credit card, and reasonably postpone the repayment period for those who are hospitalized or isolated due to the new pneumonia, those who need to be isolated for observation due to the epidemic, those who participate in the prevention and control of the epidemic, and those who temporarily lose their sources of income due to the epidemic. 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. Affected by the epidemic, it is impossible to repay in time. Upon confirmation by the access institution, there is no overdue record for the relevant overdue loans, and the submitted loans can be adjusted. Individuals and enterprises that temporarily lose their sources of income due to the epidemic can submit credit records according to the adjusted repayment arrangements.

Legal basis:

Article 3 of the Notice of the People's Bank of China on Issues Related to RMB Loan Interest Rate is about default interest rate. The default interest rate of overdue loans (loans that the borrower fails to repay on the date agreed in the contract) is changed from the current daily interest rate of 2. 1% to 30%-50% higher than the loan interest rate agreed in the loan contract. If the borrower fails to use the loan as agreed in the contract, the penalty interest rate will be changed from the current daily interest rate of five ten thousandths to 50%- 100% of the loan interest rate agreed in the loan contract.

What should I do if I can't repay my mortgage and credit card in time due to the epidemic?

Major banks have announced that if the loan is not repaid due to the epidemic, the repayment can be postponed if the situation is true. But when the loan is not paid, it has already affected the whole body, because the conditions given by the bank are limited, and the key is to know how to choose. Specifically, the bank's regulations are very detailed:

First, medical personnel and government workers involved in epidemic prevention and control.

During the epidemic, the hardest thing was the front-line staff, whose wages were actually not too high. In the case of participating in epidemic prevention and control, it is obvious that other family members should also bear family responsibilities, so that the main source of income will be reduced, and they will form a more difficult situation, which makes it reasonable for them to delay repayment.

Second, diagnosed patients.

There are also people diagnosed in the epidemic. As far as the current situation is concerned, the diagnosed patients can't go to work for at least one and a half months when receiving treatment, even if they are isolated in hospital. In addition, people's views on the epidemic now, and some isolation between people around him and his colleagues in the company after discharge are inevitable, so these people should really be given preferential treatment.

3. Isolate personnel (including isolated observers).

In addition to the diagnosis, there are unlucky and lucky isolation. Although these close contacts or people in closed control areas can ensure food and clothing during the isolation period, there is a lot of work that cannot be done because not all industries can work at home. Many skilled workers and factory workers can't work at home. Their isolation means that they can only get basic salary and no other income. As we all know, no matter what industry, if you only take the basic salary, your income is not high.

4. Persons who have no income due to the epidemic.

The hardest hit by the epidemic without income is the catering service industry. During the three years of the epidemic, you can't predict when you will lose your job. Because this fluctuation is too great, it is difficult for people in the catering service industry. Moreover, in many cases, people's livelihood industries such as catering will be given priority when unsealing, while industries such as beauty, fitness and cinema are more difficult than catering. Just as not all industries can work from home, catering is different from other service industries. People who eat can take out food, but others can't.

However, deferred repayment is also repayment, which does not mean that repayment cannot be made, and the impact of the epidemic will not happen overnight. Only by earning money can we really get through this difficulty.

What should I do if the epidemic situation in Shenyang is not on the credit card mortgage?

You can apply for deferred repayment.

It is necessary to explain the reasons to the bank, but it must be caused by the epidemic before the extension can be made. If it is caused by personal reasons, or involves behavior, then it is necessary to investigate the relevant legal responsibilities.

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.

So much for the introduction of how to do credit card mortgage.