Legal analysis: 1. Apply for delayed repayment in advance:

If you really cannot repay your mortgage or credit card on time, you can apply for delayed repayment in advance. The application methods are: There are many. You can call customer service or apply on your mobile phone.

2. Wait for registration and review by the bank:

As long as you submit an application for delayed repayment, the customer service department such as the bank will naturally report it to you, conduct registration statistics, review, and approve it. Repayment is delayed.

3. Keep relevant certificates of isolation:

If you are a quarantined person, whether it is hospital quarantine or home quarantine, you must keep relevant materials so that after the epidemic, you can If you apply to the bank, your repayment will not be affected.

4. What to do if you have no income and cannot repay:

Due to the epidemic, those whose units have not resumed work and who have no financial income and are unable to change their mortgage or credit card can also apply to the loan in advance. When applying to the bank, you can choose installment repayment, minimum repayment, etc. It is best not to be overdue.

5. Will not be included in the list of credit defaulters:

Those who are responsible for repaying their mortgages and credit cards on time due to the epidemic, as long as they have sufficient reasons and sufficient evidence and procedures, will not be included in the list. Being included in the list of dishonest persons, the record of dishonesty will also be eliminated.

6. Unable to repay due to special reasons:

Due to the epidemic, special circumstances are nothing more than repayment. You can also apply for processing after the epidemic is over. Submit relevant supporting materials and the bank will also adjust the overdue records.

Legal basis: "Notice on Further Strengthening Financial Support for the Prevention and Control of the Novel Coronavirus Infection Pneumonia Epidemic" For those who are hospitalized or quarantined due to infection with new coronavirus pneumonia, those who need to be quarantined for epidemic prevention and control, and those who participate in epidemic prevention and control For staff and people who have temporarily lost their source of income due to the epidemic, financial institutions should give appropriate tilts in credit policies, flexibly adjust personal credit repayment arrangements such as housing mortgages and credit cards, and reasonably extend the repayment period. Personal entrepreneurial guaranteed loans infected with the new coronavirus can be extended for one year and continue to enjoy financial interest discount support. Financial institutions must give priority to insurance claimants who are infected with the new type of pneumonia or damaged by the epidemic, appropriately expand the scope of liability, and compensate all claims.