Affected by the epidemic, what if you can't repay the mortgage on time? Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank and Bank of communications, the five major state-owned commercial banks, responded exclusively to Xinhua News Agency reporters on the 7th. For individual housing loan customers affected by the epidemic, they can provide service support, including delaying repayment time, extending loan term and adjusting bill plan. The industrial and Commercial Bank of China said that ICBC attaches great importance to personal loan customer service and gives personal loan deferred repayment service support to personal loan customers affected by the epidemic. The Agricultural Bank of China said that customers who put forward demands such as delaying repayment time, reducing default interest and eliminating overdue credit records due to the epidemic can enjoy the customer care policy of personal housing loans if they meet the relevant conditions. Customers can directly contact the loan handling bank or customer manager to consult relevant handling conditions and procedures. You can also call the customer service center of ABC, and the customer service personnel will collect the information and send it to the customer loan handling bank. Bank of China mobile phone bank novel coronavirus pneumonia bank said that the bank has introduced a package of individual housing loan security policies, including mobile banking online repayment, extending loan period, delay repayment of principal and interest, and setting up repayment period, and directed the branches of key epidemic prevention and control areas such as Shanghai and Jilin to respond positively to customer demands, aiming at hospitalization or isolation of new crown pneumonia patients. The staff involved in the epidemic prevention and control and the customers who have temporarily lost their source of income affected by the epidemic, implement policy arrangements and continue to provide financial services in the field of social and people's livelihood affected by the epidemic. China Construction Bank said that covid-19 has issued a related policy on deferred payment during the epidemic period, such as housing mortgage and consumer loans, and has been extended to date. It mainly provides three types of services: first, short-term deferred repayment of up to 28 days, without collection and affecting credit investigation during the extension period; Second, adjust the bill plan. According to the epidemic situation in various regions, you can choose to adjust the bill plan in stages to reduce the repayment amount in the current period and postpone the part to be returned in later months; Third, extend the overall term of the loan, postpone the maturity date and reduce the amount of installment repayment. Bank of Communications said novel coronavirus pneumonia began to introduce a policy of relief for mortgage clients during the outbreak, allowing a grace period to be granted to customers who are temporarily affected by the impact of the epidemic. Focus on the medical staff, government staff and their spouses participating in the epidemic prevention work, patients diagnosed, quarantined personnel, and employees in industries greatly affected by the epidemic. Customers can apply to the branch to which the loan belongs. Local branches will review it according to the policies of the head office, and give a certain grace period to those who meet the conditions. At present, how many people apply for extension of mortgage repayment? CCB said that by the end of March this year, it had provided deferred repayment services for about 1 million households and more than 430 billion yuan of housing loans. Since this year, in Jilin, where the epidemic situation is more severe, delayed repayment services have been handled for more than 1150 customers. The Bank of Communications said that since this year, Shanghai, Shenzhen, Jilin and other places have been seriously affected by the epidemic. The bank has successively received applications from some customers, and the branch has handled them in time in combination with the current policies. At present, the overall proportion is not high. At present, the overall quality of housing mortgage loan assets is stable and excellent, and the non-performing rate remains low. Will the overdue loan affect the credit investigation record? ICBC said that during the period of deferred repayment, customers will not be included in the list of defaulting customers. At the same time, it will protect customers from credit investigation and continue to strengthen customer service. CCB said that for customers affected by the epidemic and eligible for deferred repayment, it implemented credit investigation protection measures, opened a green channel for accepting credit investigation objections, and made every effort to protect the rights and interests of customers. (Xinhua News Agency)