PBZ enables the deferral of loan payment
Relevant features of the deferral of payment
Application for the deferral of payment
Fee
Duration of the deferral of payment
The deferral of liabilities payment for loans
In order to mitigate the consequences of the COVID-19 pandemic, PBZ has enabled the deferral of monthly liabilities payment (moratorium) for all loan users with regular payments who have experienced a deterioration of their financial situation or total revenue loss.
The application for the deferral of payment can be submitted at a PBZ branch office.
Deferral of payment does not apply to overdrafts on transaction current accounts, loans with a deposit and Lombard loans with a deposit, cash and consumer loans via cards, or revolving loans.
Application submission
The application for the deferral of payment can be submitted as follows:
- Loan beneficiaries who, as a result of the COVID-19 pandemic, have had a temporary reduction in wages by their employer, temporary suspension of payment of wages by their employer, loss of employment, or loss of other income (e.g. from renting, etc.).
- Loan beneficiaries in case of reduction or loss of income of his/her spouse/extramarital partner/life partner/unofficial life partner.
Documentation
Documentation proving the reason for requesting the deferral:
- Certificate from the employer or a copy of the salary statement, or an overview of transactions on the account or a JOPPD form (form on income, income tax, surcharge, and contributions for obligatory insurances), which illustrates the decrease in income;
- Termination of the employment agreement or a certificate from the employment service;
- Decision on the temporary closure/closure of a craft business;
- Document where the employee announces the reduction of income due to the current situation;
- Proof of sick leave caused by the current situation, etc.
The specified documentation does not need to be submitted if the loan beneficiary has previously agreed on a deferral of payment, and if he/she submits a new application for contracting the deferral of payment, or if he/she submits an application for an extension of the duration of the deferral of payment during the deferral of payment.
Deadline for the repayment delay
The deferral of payment is contracted for a 9-month period.
The total duration of the deferral of 9 months includes the period of any previously agreed deferrals of payment, as well as the number of overdue monthly liabilities whose collection may have been deferred in the previously concluded appendix on the deferral of payment, and/or whose payment is deferred by contracting a new deferral of payment.