Recently, many banks have launched personal mortgage loan deferred repayment services in Guangzhou, which has attracted widespread attention. It is reported that the repayment extension period provided by different banks to Guangzhou users can be up to 12 months.
On December 2, China Securities Journal reporters consulted a number of major banks and joint-stock banks and learned that since the 2020 COVID-19 epidemic, various banks have launched personal consumption loans and mortgage loans. Loan deferred repayment service. Recently, this service is mainly available to Hohhot, many cities in Xinjiang, Chongqing, Henan and other provinces and cities that have been severely affected by the epidemic. Users in other regions who apply for deferred repayment are mainly provided by the handling bank. Accept approval and handle matters individually.
It is understood that the mortgage loan repayment deferral services of various banks are mainly open to four categories of people: various staff involved in epidemic prevention and control, people infected with new coronary pneumonia, people who need to be quarantined and observed due to epidemic prevention and control, and people under epidemic prevention and control. Measures affecting persons with sources of income, etc.
At the same time, the implementation of the "Notice on Current Financial Support for the Stable and Healthy Development of the Real Estate Market" (hereinafter referred to as the "Financial 16") issued by the Central Bank and the China Banking and Insurance Regulatory Commission in mid-November continues to make progress.
Recently, many joint-stock banks and leading city commercial banks such as China CITIC Bank, Industrial Bank, Hengfeng Bank, Shanghai Pudong Development Bank, Everbright Bank, and Bank of Ningbo have taken over the leadership of state-owned banks and implemented the "16 Financial Articles" Policy deployment. So far, more than 12 banks have announced that they have signed cooperation agreements with some real estate companies, and the total amount of credit provided has exceeded 2 trillion yuan.
Many banks can accept personal loan extensions
On December 2, China Securities Journal reporters consulted many state-owned banks, joint-stock banks, such as Industrial and Commercial Bank of China, Bank of China, China Construction Bank, and Minsheng Bank Bank customer service and personal loan managers learned that currently all banks can accept applications for deferment of personal loan repayments, but except for some areas severely affected by the epidemic, such user requests in other areas need to be transferred to the handling bank for processing.
Among them, China Construction Bank clearly stated that Beijing, Shanghai, Jilin (limited to Changchun City and Jilin City), Sichuan, Xinjiang (limited to Urumqi, Ili, Changji, Shihezi, Tacheng, Turpan, Aksu, and Bazhou Mortgage loan customers in regions), Hainan, Gansu (limited to Lanzhou City), Inner Mongolia (limited to Hohhot City), and Henan can apply for personal loans online through the "Green Channel for Deferred Repayment Personal Loans" on the "CCB Smart Personal Loan" mini-program. Loan extension.
Bank of China customer service told Broker China reporters that users in Inner Mongolia, Xinjiang, Chongqing, Henan and other regions can call the customer service number to learn about the procedures for deferred repayment. “Users in Guangzhou need to consult the loan handler. OK, the head office currently has no unified regulations.”
It is understood that the personal loan deferred repayment services currently provided by various banks are mainly for the following four groups:
1. Various staff involved in epidemic prevention and control;
2. People infected with COVID-19 who are hospitalized or quarantined;
3. People who need to be quarantined and observed for epidemic prevention and control;
4. People whose income sources are affected by the epidemic and prevention and control measures .
For the first category of personnel, regulations vary from industry to industry, mainly including medical workers, government officials involved in epidemic prevention and control, and grassroots epidemic prevention personnel. Among them, Minsheng Bank made it clear that military officers and truck drivers involved in epidemic prevention and control can also apply for deferred repayment; China Construction Bank's deferred repayment service also includes "other people who have difficulty repaying due to city closures and road closures."
“Recently, not many individual users of our bank have applied for deferred repayment, and there is no significant change compared with before.” A personal loan manager of a bank in Beijing told China Securities Journal, “The current unified policy of the head office is It is mainly targeted at areas and users severely affected by the epidemic. If other users have strong demands, they will be transferred to the user's loan handling bank for specific processing. Each branch has its own specific policies and approval processes. ”
< p> It is understood that the deferred repayment service is not a new policy. As early as February 1, 2020, the "Notice on Further Strengthening Financial Support to Prevent and Control the New Coronavirus Infection Pneumonia Epidemic" proposed that financial institutions should be subject to credit policies. Users severely affected by the epidemic should be appropriately tilted to flexibly adjust their personal credit repayment arrangements such as housing mortgages and credit cards, and reasonably postpone the repayment period.In mid-November this year, the "Financial Article 16" once again clearly encouraged financial institutions to negotiate independently to postpone the repayment of principal and interest in accordance with the law. It stated: For those who have lost their income due to hospitalization or quarantine due to the epidemic, or have lost their jobs due to business closures due to the epidemic. For personal housing loans that originate from individuals, and for personal housing loans that are changed or terminated due to changes in the home purchase contract, financial institutions can independently negotiate with the home purchasers in accordance with the principles of marketization and rule of law to make adjustments such as extensions and extensions.
The implementation of the 16 Financial Articles has continued to make progress
Since the release of the "16 Financial Articles", six major state-owned banks have taken the lead in playing the "leading role" and have successively announced that they have or will cooperate with some real estate companies. Sign a strategic cooperation agreement to provide high-amount credit ranging from tens of billions to hundreds of billions, implement the policy deployment of regulatory authorities, and provide point-to-point financial support for high-quality real estate companies to "guarante the delivery of buildings" and carry out mergers and acquisitions business.
Recently, many joint-stock banks and leading city commercial banks have taken over the leadership of state-owned banks and implemented the "16 Financial Policy Plans", focusing on real estate development loans, merger and acquisition loans, bond underwriting and investment, and pre-sale funds. Supervise business areas such as letters of guarantee and domestic guarantees and external loans to meet the reasonable financing needs of real estate companies.
On December 1st alone, there were two joint-stock banks, Shanghai Pudong Development Bank and China Everbright Bank, respectively with Poly Development, Joy City, Vanke, Greentown China, China Overseas Development, Country Garden, China Jinmao, etc. Two real estate companies signed strategic cooperation agreements, providing total intentional financing of 530 billion yuan and 260 billion yuan respectively.
Previously, China CITIC Bank, Industrial Bank, Hengfeng Bank and other joint-stock banks have announced strategic cooperation with a number of real estate companies and provided credit support. Bank of Ningbo also recently announced that in order to implement the "16 Financial Articles" and support the stable and orderly development of local real estate companies, it has reached a comprehensive cooperation intention with Ningbo Huasheng Real Estate Co., Ltd.
Some joint-stock banks have also set their sights on local real estate companies. For example, in addition to providing credit support to high-quality real estate companies on a "headquarters-to-headquarters" basis, China CITIC Bank Chongqing Branch has also signed a strategic cooperation agreement with Chongqing Huayu Group Co., Ltd., and Fujian-based Industrial Bank has also provided credit support to Xiamen Anju Holdings, Fuzhou Zuohai Holding and other local real estate companies provide financing services, while Hengfeng Bank, headquartered in Shandong, provides support to local real estate companies such as Shandong Yinfeng Group and Qingdao Qingte Group.
According to incomplete statistics, so far, more than 12 banks have announced that they have signed cooperation agreements with some real estate companies, and the total amount of credit provided has exceeded 2 trillion yuan.
At the same time, the banking industry in various regions is also accelerating the specific deployment of the "16 Financial Articles". For example, according to media reports, the Shenzhen financial management department, together with the Shenzhen municipal government, recently organized national commercial banks, real estate companies, trust companies, and guarantee companies within its jurisdiction to hold a real estate finance work symposium and government-bank-enterprise matchmaking meeting to deploy and implement detailed "financial 16", take multiple measures to do a good job in financial support for the stable and healthy development of the real estate market.
The meeting proposed that financial institutions in Shenzhen should implement a package of policies and measures to support the real estate market, further increase the connection between banks and enterprises, actively issue guaranteed property loans, and do a good job in bond issuance and financing for high-quality private real estate companies. services, continue to increase real estate credit extensions, ensure reasonable loan extensions, increase financial support for housing leasing, provide diversified financing services for real estate companies, and take multiple measures to promote the stable and healthy development of the real estate market. Relevant departments should quickly sort out the two lists of problems between banks and enterprises, focus on solving difficult problems, strengthen the connection between government, banks and enterprises, actively leverage the joint efforts of "several companies", accelerate the implementation of policies to achieve results, and promote the stable and healthy development of the real estate market.