[What to do if there are periodic repayment difficulties for mortgage loans? Two departments issued a document to reform and improve real estate credit management] On August 28, the two departments issued a document to reform and improve real estate credit management, which pointed out that for existing individual housing loan borrowers who have staged loss of income sources and have repayment difficulties, banking financial institutions can independently negotiate with the borrowers in accordance with the principles of marketization and rule of law, and flexibly adjust the repayment plan by reasonably delaying the repayment time, loan extension, and delaying principal repayment. (CCTV News)