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Credit holidays at the Post Bank are possible without a limit on the loan amount
Post Bank provides its clients with credit holidays, and the loan amount when applying for a deferral is not limited. Meanwhile, in the federal law on credit loans, the owner of a consumer loan can claim to change the terms of the agreement only if its size does not exceed the maximum amount - 250 thousand rubles.
According to the press service of the credit institution, Post Bank also has its own program for deferring payments on loans in the context of the coronavirus pandemic. As part of this program, the bank provides a grace period of up to six months to borrowers who find themselves in a difficult situation due to the COVID-19 pandemic. For example, this is a forced vacation without pay, loss of work, a decrease in income by more than a third, or the disease of coronavirus.
In addition to the cancellation of penalty interest and penalties for missing a payment, the Post Bank individually considers the situation with overdue debt that arose after March 1, 2020 and corrects the information in the Credit Bureau. The client has various options for debt restructuring and servicing. Arrears can even be canceled.
The bank also notes that you can apply for a loan deferral remotely - there is a simplified remote technology. Using a simple electronic signature (PEP), you can connect the program remotely, without visiting the department or calling the hotline.