During the grace period, interest continues to accrue in the following amounts:
for consumer lending - 2/3 of the average value of the total cost of the loan on the date of application;
for a mortgage - in accordance with the interest rate specified in the agreement.
By the end of the grace period, the lender sends a new payment schedule. The amount of monthly payments remains the same, this is achieved by extending the contract. Therefore, after the holidays, you need to pay the same as before them.
Full debt write-off is possible by law for mobilized qatar mobile database personnel. All debt obligations are cancelled in the event of the death of a serviceman or his receiving a first-group disability while performing tasks related to the SVO. In this case, the debts of both the serviceman himself and his family members are cancelled.
How to apply for credit holidays in 2022?
Procedure for mobilized persons
To receive benefits, you need to submit an application to a banking organization or MFI in any convenient way: by email, phone, mail. This can be done on any day of the loan agreement, but no later than December 31, 2023.
It is not necessary to prove the fact of participation in a special operation, the creditor himself requests the information. In October, the Ministry of Defense was engaged in confirming mobilization, but from November 23, the data will be provided by the Federal Tax Service, which will significantly speed up the procedure.
The application can be submitted by the serviceman himself or his relative. If a relative applies, then documents confirming the relationship must be attached.
In the application, you can select the start date of the grace period, that is, take a deferment on the previous date, but not earlier than September 21, 2022. If you do not select a date, the countdown will begin from the date of filing the application.