Pause loans: Is not allowed during the war to pay loans

Banks are ready to meet and review the loan payment schedule, as well as granting credit holidays. Some categories of borrowers have preferential terms of debt repayment. In Ukraine, in 2023, credit holidays that can be obtained by the borrower are provided only with the consent of the bank, since there are no laws prescribed by the legal rules for those who pay for the consumer credit. Focus writes about it in the new article "A debts - after victory? Do you need to repay loans during martial law.

" "Since the beginning of martial law in Ukraine, 100% of borrowers have received credit holidays, depending on the situation, for the period from 3 to 6 months with a full delay in payment There are good reasons (affected by hostilities, lost work, etc. ) - each request is considered individually.

Customers can contact OTP Bank UA by filling out the form on the website, through contact Center, through messengers, Viber and telegram or network of branches ", - Oleg Korobkin, Director of the Department of Gathering and Settlement of OTP Bank loans. The banks explain that there are now special restructuring programs, the purpose of which is to reduce the load on the client. "For the most part, it is not so difficult to obtain preferences and privileges from the financial institution.

Everyone is well aware of the complexity of the situation in which millions of Ukrainians are found, so almost every bank has both a completely systematic restructuring programs and willingness to apply individual conditions.

We, for example, for example , within such a program, we offer several options for the borrower, both separately and in combination: loan of the loan for up to 7 years, setting a three -month preferential period, when the borrower pays only interest, reduction of interest rate and partial forgiveness of debt. - The borrower's willingness to cooperate, " - said Yuriy Melnychuk, Director of the Risk Department, Member of the Board of the Bank.

For some categories of borrowers, banks are ready to temporarily stop calculating interest on the loan, which is stated in the Law "On Social and Legal Protection of Servicemen and their Families".

"According to the Law of Ukraine" On Social and Legal Protection of Servicemen and their Families ", servicemen called for military service for conscription during mobilization, for a special period, for all time their conscription, no interest on the use of credit (except credit agreements on the purchase of residential real estate (unfinished housing facility) and car).

In order to obtain this privilege, it is necessary to notify the bank in writing of the military service and to provide documents confirming the right to the privilege, "Oksana Volynets, senior lawyer said Wolf theiss. As focus wrote earlier, banks in Ukraine set a daily limit to receive cash at ATMs. According to the NBU approved by the NBU, clients-physical persons can receive no more than 100 thousand UAH from their account on a day.