Legal analysis:

Generally, you can call the bank service hotline (or through APP customer service) first. The customer service staff will register the information and then hand it over to the back-end department or the customer at the customer's mortgage agency outlet. Contact the manager for follow-up; housing mortgage customers can also directly call the branch where the business is handled to apply. For those who cannot apply in advance under special circumstances, such as patients in intensive care or hospitalized, some banks also accept subsequent re-application within a certain time range, such as Industrial and Commercial Bank of China. After application, special treatments such as loan penalty interest exemption and credit restoration during the epidemic prevention and control period can be implemented.

Currently, many banks are accepting deferment applications for loan repayments in the current month, and the deferment period is temporarily more than ten days to one month (depending on different bank policies). However, some banks, such as Bank of China, can provide 3 to 6 months of deferred principal repayment arrangements for people in key epidemic areas who have temporarily lost their source of income. ICBC will not count as a breach of contract for any medical staff and staff participating in epidemic prevention and control, as well as confirmed patients and suspected persons and their spouses, whose personal loans and credit card overdrafts with ICBC during the epidemic period are overdue due to inconvenience in repayment, and will not enter into default. Customer List.

Legal basis:

"Notice on Strengthening the Cooperation of the Banking and Insurance Industry Financial Services in the Prevention and Control of the Pneumonia Epidemic of New Coronavirus Infection" Article 3: Temporarily affected by the epidemic For people who have lost their source of income, credit policies should be appropriately tilted, and personal credit repayment arrangements such as housing mortgages and credit cards should be flexibly adjusted and the repayment period should be reasonably postponed.