Q:
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What is the scope of this "Notice"?
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A:
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For the inclusive small and micro loans that expire between June 1 and December 31, 2020, (Including small and micro enterprise loans of 10 million yuan or less for single households, operating loans for individual industrial and commercial households and SMEs owners, the same below), in accordance with the "extension should be extended" requirements, implement periodic deferred principal and interest repayment.
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For other enterprises with special difficulties, such as loans for other SMEs that expire before the end of 2020, and large-scale international industrial chain enterprises (foreign trade enterprises), the enterprises and the banking financial institutions may negotiate and postpone the principal and interest payment.
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Q:
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What are the principal payment arrangements for inclusive small and micro loans?
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A:
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For the inclusive loan principal due between June 1 and December 31, 2020, the banking financial institution should repay the application according to the company's extension and combine the company's impact on the epidemic situation and the operating situation. Renew the loan and other methods to give enterprises a certain period of time to extend the repayment arrangement.
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Q:
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What is the maximum repayment date for the inclusive loans?
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A:
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The repayment date can be extended up to March 31, 2021.
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Q:
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What are the interest payment arrangements for the inclusive loans?
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A:
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For interest payable on the inclusive loans from June 1 to December 31, 2020, banking financial institutions shall, according to the application for deferred interest payment of the enterprise, combine the situation of the enterprise affected by the epidemic situation and the operating conditions, and give the enterprise a deferred interest payment arrangement for a certain period.
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Q:
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What is the maximum date that the interest payable date for the inclusive loans can be extended?
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A:
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The loan interest payment date can be extended up to March 31, 2021, free of penalty interest. The specific repayment plan for the deferred interest shall be independently determined and reasonably determined by both the banking financial institution and the enterprise.
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FAQ
