With no income, how can I repay my mortgage and credit cards?
——Reasonably postpone the repayment period
On February 1, five departments including the central bank issued the "About "Notice on Further Strengthening Financial Support for the Prevention and Control of the Novel Coronavirus Pneumonia Epidemic", which clarifies that -
For those who are hospitalized or quarantined due to infection with the new coronavirus, those who need to be quarantined for epidemic prevention and control, and those who participate in epidemic prevention and control work For people who have temporarily lost their source of income due to the epidemic, financial institutions must give appropriate tilts in credit policies, flexibly adjust personal credit repayment arrangements such as housing mortgages and credit cards, and reasonably postpone the repayment period.
In other words, if you are temporarily without a source of income due to the impact of the epidemic, you can reasonably delay your mortgage and credit card payments. Data map: People show their bank cards.
Will the failure to repay in time due to the epidemic enter the credit report?
——Not included in the credit report’s breach of trust record
The above notice proposes that overdue credit must be reasonably adjusted Records are submitted. For those who are hospitalized or quarantined due to infection with new pneumonia, those who need to be quarantined for epidemic prevention and control, and those who participate in epidemic prevention and control, who fail to repay in time due to the impact of the epidemic, the relevant overdue loans can be determined by the access institution. Overdue records will not be submitted, and those that have already been submitted will be adjusted.
For individuals and companies that have temporarily lost their source of income due to the epidemic, they can submit their credit records according to the adjusted repayment arrangements.
This means that if the above-mentioned persons overdue their repayments due to inconvenience during the epidemic period, they will not be included in the credit breach record.
Real-time updates on the new pneumonia epidemic in Yantai: