The mortgage can be extended, but not everyone can. For people who have lost their income sources due to the epidemic, they should give appropriate tilt to the credit policy, flexibly adjust the repayment arrangements of personal credit such as housing mortgage loans and credit cards, and reasonably postpone the repayment period.

according to article 678 of the civil code of the people's Republic of China, the borrower may apply to the lender for extension before the repayment period expires; If the lender agrees, it can be extended.

in addition, if you want to extend the repayment period due to the shortage of funds and the mortgage loan is not paid, you can first call the customer service hotline of the loan handling bank, switch to the manual service channel, apply to the customer service staff for delayed repayment, and then submit an application for delayed repayment of the mortgage loan to the bank, explaining why you want to apply for delayed repayment.

For example, if you don't have the repayment ability at present, you should make it clear that you don't have the repayment ability, and then provide relevant information to prove it. For example, if you don't have the repayment ability due to unemployment, you can provide unemployment certificate or an agreement to terminate the labor contract.

after explaining the reason why you want to apply for delayed repayment, you can express your willingness to repay actively and then put forward a repayment plan in the future. After that, you can wait for the bank staff to review the individual. After the bank has conducted the review, the bank will consider the customers with good credit and real repayment difficulties.

and if the bank agrees, then the customer can negotiate a new repayment plan with the bank, and then repay the loan on time according to the new repayment plan.

however, in this case, the bank may not pass it, so whether it can be passed depends on the regulations of the bank.