The application for deferred repayment of mortgage can be called to the bank staff, and the customer service staff will register the information and then hand it over to the back office or the account manager of the customer's mortgage handling outlet for follow-up; Housing mortgage loan customers can also directly call the business outlets to apply.

For patients who cannot apply in advance under special circumstances, such as intensive care or hospitalization, some banks also accept post-treatment within a certain period of time. Upon application, they can make special treatments such as reducing the penalty interest on loans and restoring credit information during the epidemic prevention and control period. (If the credit information has been submitted, it can be adjusted. )

The Notice on Further Strengthening the Financial Support for Prevention and Control in novel coronavirus appropriately inclines the credit policies of the following four categories of personnel, flexibly adjusts the repayment arrangements of personal credit such as housing mortgage and credit card, and reasonably delays the repayment period:

The first category, hospitalized or isolated patients with new pneumonia;

The second category, epidemic prevention and control needs to isolate observers;

The third category is the staff involved in epidemic prevention and control;

The fourth category is people who have temporarily lost their sources of income due to the epidemic.