MOSCOW, October 2 – Novosti. Participants in a special military operation, as well as members of their families, are entitled to credit holidays on loans and borrowings they have taken earlier, the “ Explain.rf ” portal reported on Sunday .
The right to credit vacations are mobilized, contract soldiers in the Armed Forces and in the troops of the National Guard, employees of the rescue military units of the Ministry of Emergency Situations, the military prosecutor’s office and other bodies specified in paragraph 6 of Art. 1 of the Federal Law No. 61-FZ “On Defense”, border guards who ensure the conduct of a special military operation, volunteers (persons who have entered into contracts for voluntary assistance in the performance of tasks assigned to the Armed Forces).
Credit holidays allow the borrower to temporarily suspend payments on a loan or loan. A credit organization (bank, microfinance organization, CPC, ACCC, pawnshop) does not have the right to refuse a loan holiday if the borrower meets the criteria of the law. To apply for a credit holiday, you must submit an application.
Credit holidays apply to all consumer loans and loans, including mortgages and credit cards, taken before mobilization or participation in the special operation, to all loans and loans taken by individual entrepreneurs who were mobilized or who participate in the special operation as volunteers. The size of the loan and loan and their number do not matter.
The term of the credit vacation is the period of service under mobilization, contract or for the period of participation in a special military operation plus 30 days. The vacation period can be extended for a while if the borrower is in a hospital for treatment of wounds, injuries, concussions or diseases received during a special operation. At the same time, they can begin no earlier than September 21, 2022, and for credit cards – no earlier than the date of applying for a vacation.
You can exit the loan holiday at any time – just notify the lender about it. It is also allowed not to interrupt the credit holidays and at the same time make feasible payments that will be used to pay off the principal debt, and after the holidays are over, less interest will be charged.
