Hello everyone, I am the fish head! The six major state-owned banks have responded to postponing repayment of mortgage loans, I hope you know! ! On April 8, six large state-owned commercial banks including Bank of China, Agricultural Bank of China, Industrial and Commercial Bank

Hello everyone, I am the fish head! The six major state-owned banks have responded to postponing repayment of mortgage loans, I hope you know! !

On April 8, six large state-owned commercial banks including Bank of China, Agricultural Bank of China, Industrial and Commercial Bank of China, Construction Bank, Bank of Communications, and Postal Savings Bank of China made a formal response: Customers who meet the conditions can apply for a mortgage extension to repay the mortgage due to the epidemic.

The main targets of this policy:

• People hospitalized or isolated due to infection with COVID-19
• People need to be isolated for epidemic prevention and control
• People who participate in epidemic prevention and control
• People who temporarily lose their source of income due to the impact of the epidemic

The four types of people can submit applications to the corresponding bank.

The specific policies of each bank are different

1. Bank of China: A package of personal housing loan security policies including extending the loan term, extending principal and interest repayment, and setting a repayment preferential period
2. Agricultural Bank: Customers who propose delayed repayment time, reduced and exempted penalty interest, and eliminated overdue credit records and other mathematics that meet the relevant conditions can all enjoy the above care policy
3. Industrial and Commercial Bank of China: Personal loan customers affected by the epidemic will provide personal loan extension service support, and customers will not be included in the list of default customers during the delayed repayment period, and at the same time, credit protection is provided to customers and continuously strengthen customer service
4. China Construction Bank: Three types of services are proposed to meet the conditions, one is a short-term delayed repayment of up to 28 days. Internal collection during the extension period will not affect credit reporting
5. Bank of Communications Shanghai Branch: Online mortgage customers can be given a grace period of up to 30 days of principal repayment, and a three-month grace period for eligible customers and their spouses will be given as appropriate. Postal Bank: For those hospitalized or quarantined with COVID-19, people who are hospitalized or isolated from the epidemic, staff need to be isolated and observed for epidemic prevention and control, and mortgage customers who temporarily lose their source of income due to the epidemic. It is often provided for six months of deferred repayment services.

In fact, as early as early as early 2020, the People's Bank of China, the Ministry of Finance, the China Banking and Insurance Regulatory Commission, the China Securities Regulatory Commission, and the State Administration of Foreign Exchange jointly issued the "Notice on Further Strengthening Financial Support for the Prevention and Control of the New Coronavirus Pneumonia Epidemic", requiring financial institutions to improve financial services in the social and people's livelihood fields affected by the epidemic.

This time is different from the phased policies at the beginning of 2020. Currently, banks are different in terms of whether to provide extension support and the recognition standards for users who apply for extension.

Although the bank gave the favor, some people think it can be done better

• Some people believe that the interest rate should be adjusted and the original proportion should be restored one or two years later.
• Some people also think that banks are not the attitude of solving problems at all. They will postpone one month and have to pay back two months in the second month. Adjust the repayment period, require a bunch of procedures and stamps, etc., which is helpful but the intensity is too small.
• Of course, Yutou believes that the key is still economic issues. To solve job opportunities and income, postponement is just an interim policy. Layouts, salary cuts, and not finding a job is more terrible than overdue due to the epidemic. What do you think?

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