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Belgrade – Starting Monday, regular loan collection will continue for all those who have accepted state benefits in the form of a loan default.
Source: Blic.rs
Photo: Depositphotos, faustpr
And they were accepted by many: up to 2.5 million citizens accepted the moratorium in August and September, and even more (about three million) in April, May and June. In percentage terms, it is 82% of the debtors, that is, 53% of all loans only for the second round of the moratorium.
Some banks will start charging from Monday, some will do so at the end of the month, and many citizens will start charging during October, the day the fee is due, writes Blic.
The novelty is that the monthly union will be a little higher, due to the amount of regular interest that the banks calculated during the moratorium, which will now be distributed evenly over the number of remaining installments. Also, the loan repayment period will be extended by the period of inactivity.
For example, if you pay a monthly installment of 300 euros for a home loan and you have 10 years left until the repayment ends, your monthly cost will now be higher by about 750 dinars, if you used both moratoriums, write the newspaper.
Considering that most citizens have at least one cash loan with a home loan, you can expect an additional cost of around 500 dinars in the amount of 500,000 dinars.
The first moratorium allowed delaying the reimbursement of monthly installments in April, May and June. The additional two-month interruption in the payment of the loan referred to the debtor’s obligations maturing in the period from August 1 to September 30, as well as to the debtor’s outstanding liabilities at the end of July, more precisely after July 28. July, when the decision on the second moratorium was made. This practically means that if you have stopped the July installment, you can expect that on September 28 you will have to pay your new debt.
Banks must provide all clients who have used the moratorium with a new payment plan by email or post, at no additional cost to the borrower.
This plan must be developed and submitted for each individual loan and for each change in the loan terms.
In addition to the option of continuing to settle its obligations according to the new repayment plan, with a small increase in the installment, the debtor has two more options when the annuity remains the same until the end of the repayment term.
You can pay off all obligations covered by the moratorium at once or just the obligations based on the regular interest calculated during the moratorium, with an extension of the loan repayment term for the duration of the moratorium.
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