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AUTHOR:
DATE AND TIME:
25.09.2020. 08:06
What you enjoyed in frozen installments of loans, you enjoyed! What have you managed to save in the last five months? It has saved it, because regular loan collection for all those who accepted state benefits in the form of a moratorium on loans has continued since Monday.
Post office, Photo: Tanjug / Tara Radovanović
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.
Now all loans come into play, both for housing and cash and allowed minus and credit cards. Some banks will start collecting on Monday, September 28, some will do so at the end of the month, and many citizens will enter collection during October, the day the war normally ends.
Have you frozen loan installments?
The novelty is that the monthly union will be slightly higher, due to the amount of regular interest charged by the banks 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 default period.
For example, if you pay a monthly installment of 300 euros for a mortgage loan and you have 10 years to complete the amortization, your monthly cost will now be higher by about 750 dinars, if you have used both moratoriums.
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.
Payment, wait, money, mail, Photo: Tanjug
It should be remembered that the first moratorium enabled a delay in 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 his annuity remains the same until the end of the repayment term. You can pay off all obligations covered by the moratorium at once or only obligations based on the regular interest calculated during the moratorium, with an extension of the loan repayment term for the period of the moratorium.
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