Official regulations state that mortgage loans can be deferred due to the epidemic, and each bank has different handling methods:

1. Industrial and Commercial Bank of China: confirmed and suspected virus patients Due to the inconvenience of going out due to the epidemic, personal loans taken out by our bank and their family members are temporarily unable to repay, and can be extended and will not be included in the default and untrustworthy list. If you are overdue due to the epidemic, you can go to the business office to pay the fees and submit an application. After the application is successful, not only can your credit report be restored, but the loan penalty interest during the epidemic can also be exempted.

2. Bank of China: For staff participating in epidemic prevention work, as well as patients with confirmed or suspected cases and their spouses, if loans taken during the epidemic period cannot be repaid on time and are overdue, or credit card overdrafts are overdue, The Bank of China will extend the repayment period and will not be included in the default list or the credit reporting system. The Bank of China helps people who have temporarily lost their jobs during the epidemic. It can defer repayment and provide humanized services to people who have temporarily lost their source of income. The major banks have fully responded to the country's call to reduce the burden on the public.

3. Postal Savings Bank: For people who are temporarily unemployed during the epidemic, they will adjust their mortgage repayments in a timely manner and reasonably extend their repayment period. People can go to the local business office to apply for an extension.

4. China Construction Bank: Staff who have temporarily lost their jobs due to the epidemic or are working on the frontline of the fight against the epidemic can defer their repayments. The general extension time is about one month. The specific extension time will wait for the specific notice of the bank. If you need an extension, you can call customer service and report it to the corresponding department.

5. Bank of Communications: Actively protect the livelihood of the people affected by the epidemic, protect the public’s credit, and flexibly adjust the repayment arrangements and relax the repayment period for special groups that meet the regulations. Due to the epidemic If the repayment is not made in time for any reason, it will not be treated as overdue and you can go to the relevant hall to make adjustments.

6. Agricultural Bank of China: People who have temporarily lost their income due to the epidemic can flexibly adjust their repayment time and will not be included in the default list and will not be subject to penalty interest. The Agricultural Bank of China has limited the recent grace period to areas with severe epidemics. If repayment is affected due to the epidemic and the corresponding conditions are met, the operation can also be carried out according to the text message prompts.

Of course, people who meet certain conditions can be reasonably extended: infected people, front-line staff involved in epidemic prevention work, people who need to participate in quarantine due to the epidemic, and people who are temporarily unemployed and have lost their source of income due to the epidemic. crowd. In addition to these four people, most of them must repay their loans on time, and do not overdue or leave a black record on the credit list.

In daily life, everyone must repay on time, develop good repayment habits, repay on time, and do not leave a record on the blacklist.

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