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Citizens and companies that, due to the kovida 19 pandemic, have problems repaying loans, credit cards or the allowed deficit, can request their banks for relief for the payment of their debts starting today.
This is foreseen by the new measures of the National Bank of Serbia to facilitate the repayment of loans to debtors, which came into force yesterday and include the rescheduling and refinancing of loans and financial lease liabilities, with the approval of a grace period. six months and an appropriate extension of the repayment period. be greater than those prior to the granting of relief.
During the grace period, the bank calculates the interest, so the debtor, on the request, decides whether to pay the interest during the grace period or after it is due. Exemptions can also include credit card debt and allowable losses, the NBS said in a statement, emphasizing that banks and leasing providers are required to enforce central bank decisions on new temporary measures and “have an obligation to the debtor, who due to circumstances caused by the kovid 19 pandemic is unable or has difficulties to resolve obligations at his request to grant relief.
According to the NBS, the unemployed are entitled to benefits, debtors whose average net monthly income in the last three months is below the average salary in Serbia, debtors with net monthly income in the last three months up to 120,000 dinars, and whose net monthly income is less than 10% or more in relation to income before March 15, 2020 and whose credit indebtedness is greater than 40% of said income There are also farmers, entrepreneurs, and companies whose business income or turnover fell by at least 15% in 2020 compared to 2019, or had to suspend operations for at least 30 days due to a pandemic. Debtors who are in arrears for more than 30 days can also request relief, as well as all others who explain to the bank other facts and circumstances for which they cannot pay off their obligations.
The NBS states that banks and leasing companies cannot charge fees or costs for the measures taken.
Hasan Hanić
Help for those who really need it
Hasan Hanic, a professor at the Belgrade Banking Academy, told Kurir that the new NBS measures are good for clients whose economic position is weakened and who could not pay their obligations, as well as for banks that could not collect debts. : – This measure will be used only by those who really need this help – those who, for example, lost their job or their wages were reduced due to the weakening of the company’s business. It will not be as attractive to others because the interest will be paid after six months, either by joining the previously calculated regular cancellations, or at the end of the repayment term.
Messenger / Ružica Kantar
Photo: Shutterstock
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