Credit holidays for the mobilized and their family members are another important measure of support provided by the state today. This is a grace period during which the borrower has the right not to make or reduce monthly payments. At the same time, the borrower's credit history does not deteriorate, he is not charged penalties for delay and cannot be foreclosed on the collateral. The right to credit holidays are:
Holidays can be obtained on any consumer loans for individuals and sole proprietors — including mortgages, car loans, credit cards. At the same time, the number and size of loans are not limited.
The period for which vacations are granted is equal to the period of service on mobilization, contract or participation in the SVO + 30 days. If the borrower is undergoing treatment, the term may be further extended for this period. The beginning of the grace period is not earlier than September 21, for credit cards — not earlier than the date of application.
You can apply for a credit vacation during the term of the contract, but no later than December 31, 2023.
In order to apply for a credit vacation, you need to submit an application to the lender — by phone, regular or e-mail. The method of communication is specified in the loan agreement. Or you can check with the bank. You will need documents confirming your participation in the SVO. They can be requested by the bank itself in the Ministry of Defense. And family members — also confirmation of kinship.
After the end of the grace period, the loan repayment will automatically continue. Monthly payments will not change, and the lender will provide a new repayment schedule.
The loan debt will be fully written off if the borrower dies or gets a disability of group I. Also, the debt will also be written off from his family members.
The norm applies to cases that have occurred since February 24, 2022.
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