The application for deferred repayment of mortgage can be called to the bank staff, and the customer service staff will register the information and then hand it over to the back office or the account manager of the customer's mortgage handling outlet for follow-up; Housing mortgage loan customers can also directly call the business outlets to apply.

For patients who cannot apply in advance under special circumstances, such as intensive care or hospitalization, some banks also accept post-treatment within a certain period of time. Upon application, they can make special treatments such as reducing the penalty interest on loans and restoring credit information during the epidemic prevention and control period. (If the credit information has been submitted, it can be adjusted. )

The Notice on Further Strengthening the Financial Support for Prevention and Control in novel coronavirus appropriately inclines the credit policies of the following four categories of personnel, flexibly adjusts the repayment arrangements of personal credit such as housing mortgage and credit card, and reasonably delays the repayment period:

The first category, hospitalized or isolated patients with new pneumonia;

The second category, epidemic prevention and control needs to isolate observers;

The third category is the staff involved in epidemic prevention and control;

The fourth category is people who have temporarily lost their sources of income due to the epidemic.

Second, the main impacts of overdue mortgage loans are as follows:

1. Default interest and overdue fine will be incurred, and default interest will be imposed according to the loan contract signed with the bank;

2. Overdue will also affect personal credit information, and banks will enter bad records into the credit information system of the People's Bank of China. If you want to apply for a credit card from the bank, get a loan to buy a car, invest, etc. It will be even more difficult in the future, and the impact of credit reporting on overdue mortgages is much more serious than that of usual credit cards.

3. In case of overdue repayment, the bank can recover all the mortgage in advance according to the loan contract. If you don't pay back for a long time or many times, the bank will sue the court, and the court will seal up your property for auction, forcing you to pay off all the loans at one time.

Now, no matter mortgage, labor relations, and many other issues, we must make concessions for the prevention and control of the epidemic within the scope permitted by law. When banks implement the policy of delaying repayment of mortgage loans, the specific operational details are different. If the borrower has any questions, call the bank.

In real life, repayment can be delayed during the epidemic period, but the delayed repayment usually requires the parties to make certain actions, otherwise the bank will not take the initiative to postpone the formalities, but for the applicant, it is best to contact the local outlets first to understand the relevant knowledge before applying.