From Friday, it will be possible to submit applications for credit holidays. The Financial Ombudsman recommends that you keep your postage or personal submission receipt. The moment of its delivery is key to the possibility of taking advantage of the suspension of loan installments.
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On Friday, the law on crowdfunding for business ventures and assistance to borrowers comes into force, introducing credit holidays. This is the possibility of suspending the loan installment repayment for a maximum of 8 months this and next year. In the current quarter, it is possible to suspend the August and September installments; in the last quarter of this year, i.e. between October 1 and December 31, you can defer the repayment of two installments, and next year, one installment in each quarter. The suspended installments will pass at the end of the repayment period, thus the loan period will be extended by the number of months you took the loan holidays.
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Are you going to take advantage of credit holidays? We are waiting for your information
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Credit holidays. Recommendations of the Financial Ombudsman
The Financial Ombudsman recalled that persons who repay a mortgage in Polish currency, taken out for their own housing needs, are entitled to the relief. He stressed that, in accordance with the Act, loan repayment is suspended for the period or periods specified in the application on the date the application is delivered to the lender.
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“The key to the possibility of taking advantage of credit holidays is the moment of delivery of the application. Therefore, the Financial Ombudsman pays attention to keep the confirmation of posting or submitting the application in person at a bank branch” – the office recommended.
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“If the application is submitted to the bank in paper form, via the postal operator, it is worth sending the application by registered mail with acknowledgment of receipt and keep the proof of sending the application. confirmation of acceptance of the application by a bank employee. It should be remembered that the decisive factor for the suspension of loan repayment is the date of delivery of the application to the lender, and not of sending it at a post office “- said the Financial Ombudsman.
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Credit holidays for eight months. Everything you need to know
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Proof in case of irregularities
He added that if there were any irregularities with the processing of the application, the confirmation of posting will prove that the application was received by the lender on a specific date.
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Customers who encounter problems and irregularities resulting from the implementation of credit holiday applications by banks may apply for help to the Financial Ombudsman Office – the office assured.
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photo-source">Main photo source: Shutterstock
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