我去我的chase mortgage看了看 Terms and Conditions Here's how this relief program will work once you are enrolled: If you are able to continue making payments, please keep making them. If you need to delay up to 3 monthly payments: Please stop any automatic or scheduled payments, including from any non-Chase accounts. We won't charge late fees. We won't report negative information to the credit reporting agencies from your participation in this program. This doesn't change any previously reported information, including delinquencies. We will suspend all foreclosure activity. When the relief period ends, these payments will be due. We'll be in touch to explain possible options that may be available for you to repay these amounts. If you applied for other mortgage assistance from us and your loan is current, we will cancel that review so you can take advantage of this relief program.
If you are in bankruptcy, please talk to your attorney or trustee about participating in this program. Please print this for your records.
跟我mortgage银行一样的政策，但觉得意义不大。如果前三个月没钱还的话，第四个月到哪去找这么一大笔钱把之前的全还上。
一次性付清的压力挺大呀。
Here's how this relief program will work once you are enrolled:
If you are able to continue making payments, please keep making them.
If you need to delay up to 3 monthly payments:
Please stop any automatic or scheduled payments, including from any non-Chase accounts.
We won't charge late fees.
We won't report negative information to the credit reporting agencies from your participation in this program. This doesn't change any previously reported information, including delinquencies.
We will suspend all foreclosure activity.
When the relief period ends, these payments will be due. We'll be in touch to explain possible options that may be available for you to repay these amounts.
If you applied for other mortgage assistance from us and your loan is current, we will cancel that review so you can take advantage of this relief program.
If you are in bankruptcy, please talk to your attorney or trustee about participating in this program.
Please print this for your records.
不需要提供任何东西。self identified， 我申请时. 都没有human interaction。就是问你要不要申请，我选申请。 3 个月期间利息是继续算的，就像信用卡一样，可以不还，但是这三个月的利息还是算在账面上，只是现在不用交，也没有late fee, 也不会有bad credit record. ，或者你也可以选择付一部分，多少自己决定。。 三个月以后可以有很多选择，可以选择把三个月的一次还清，也可以分散到每个月的payment 里边慢慢还，还可以继续申请再延后3 个月。另一个朋友的银行直接就给了6个月。不知道是不是他的州有额外的给银行补助。
为什么我要做，很简单，自己的小买卖 关门了。公司也cut hour 啦。没钱啦。business的房租都快付不起了。现在多留点cash, 就是恢复正常，也要一段时间营业才能上去。
在你欠了payment 没付完的期间， 不是只这三个月，是之后的付款的期间，不能refinance. 比如三个月后你欠了7500， 除非你选择在第四个月把7500 付掉，你就可以refinance, 但是你也可以慢慢付这7500， 变成mortgage 以外的addition monthly payment, 这个没还完之前，不能refinance.
有钱的当然要接着付。没钱的这就是一个缓冲。滚不出多少利，这不是高利贷。但是有学financed, 可以帮大家算算到底滚多少利。
谢谢你。
握手。我家也是，小生意受到影响。尽量多留点现金，希望疫情之后生意尽快恢复
同求
有没有人明确回答一下，要是延缓3个月，到底有没有额外增加的利息，除了原来的贷款就有的利息之外？我觉得是没有，对吗？滚利只是说因为负得慢了，原来的借贷额和利息就没有减少，对吗？
看看有谁懂的讲一讲。
好问题。
不只三大银行。 我的银行是非常小的银行， 只要他们银行的钱的是和fannie mae 和 fannie Mac 借的， 就都可以。 新闻说50% 的房屋贷款都是这两家back up 的。
美国任何贷款都是利滚利。。。这个国家就是复利制度。