Under the dual pressure of the epidemic + layoffs, there have been a large number of buyers who can't bear the pressure of loans and choose to cut off supply, and some netizens complained: After borrowing money on the car and shaking tens of thousands of people, I can't afford to pay off the 9500 mortgage!
In the current deleveraging environment of the financial industry, courts, banks, and individuals and enterprises encountering problems are accelerating the treatment of non-performing assets. With the advent of the "supply cut tide", more and more mortgage houses have been applied for legal auction by banks, which has also brought the legal auction houses that originally belonged to the niche market into the public eye.
Some netizens said that due to the epidemic situation, they could not repay the loan and bank consultation to see if it was feasible, mainly divided into the following ways:
1. Negotiate with the bank to suspend the repayment of the principal and only repay the interest;
2. Extend the repayment period and extend the original 15-year or 20-year mortgage to 30 years;
3. Borrow some money from the bank to ease your breath.
So, due to the postponement of mortgage repayment due to the epidemic, can banks really "open their nets"?
Postal Savings Bank of China said: Postal Savings Bank decided to provide bailout support to housing loan customers in areas with severe epidemics, providing deferred repayment services for up to 6 months to help troubled customers tide over the difficulties.
The relevant person in charge of the Postal Savings Bank said that in the face of the impact of the epidemic, some customers' mortgage repayments have been affected, and the willingness to postpone repayment is relatively strong. Postal Savings Bank has decided to provide deferred repayment services for up to 6 months for people hospitalized or quarantined due to COVID-19 infection, staff participating in epidemic prevention and control, personnel who need to be isolated for observation in epidemic prevention and control, and housing loan customers who have temporarily lost their source of income due to the epidemic.
While introducing the policy of deferring the repayment of housing loans, postal savings bank strictly implements the policy of protecting the rights and interests of credit reporting for credit reporting issues that customers are concerned about, and clarifies that for the above four types of housing loan customers who are inconvenient to repay due to the epidemic, they can assist in the adjustment of the overdue records of credit reporting related to the epidemic, and fully protect the credit rights and interests of customers.
The above-mentioned person in charge said that in view of the pain points that the credit information of new citizens is not perfect and it is difficult to apply for credit, postal savings bank on the basis of bank flow, social security, tax payment and other information, increase the repayment ability of third-party payment flow income to identify customers, multi-dimensional assessment of income ability, help customers apply for housing loans, and help the new citizens' dream of living in peace. At present, Postal Savings Bank has nearly 40,000 outlets, covering 99% of the counties (cities) in the country, and the network layout is in line with the distribution of new citizen groups.
The Kunshan branch of China CITIC Bank responded that at present, the bank has no relevant regulations on mortgage reduction or exemption due to the epidemic. According to the bank's regulations, a 1-day delay in mortgage repayment will affect the credit record, and a delay of 3 months will initiate litigation proceedings, so please be sure to return the mortgage on time.
The Bank of Communications and the Industrial and Commercial Bank of China also said that it can be delayed due to the impact of the epidemic. Although five banks, including the Construction Bank and the Agricultural Bank of China, said they had not received the notice, they revealed that they could specifically consult whether the loan manager and the handling outlets could handle it.
In fact, as early as February 2020, the Chinese Bank, the Ministry of Finance, the Banking and Insurance Regulatory Commission and other five departments issued the "Notice on Further Strengthening Financial Support for the Prevention and Control of the Novel Coronavirus Infection Pneumonia Epidemic", which said: During the epidemic prevention and control period, if it is a person infected with new pneumonia hospitalization or isolation, an epidemic prevention and control needs to be isolated and observed, or a staff member participating in the epidemic prevention and control who fails to repay the loan in time due to the impact of the epidemic, he can submit to the bank, and after identification, the relevant overdue loans and arrears can be reported without overdue records. Adjustments will be made to those that have already been submitted.
The document also shows that for those who are hospitalized or isolated due to covid-19 infection, those who need to be isolated for observation for epidemic prevention and control, those who participate in epidemic prevention and control, and those who have temporarily lost their sources of income due to the epidemic, financial institutions can flexibly adjust personal credit repayment arrangements such as housing mortgages and credit cards, and reasonably postpone the repayment period.
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