How to get credit holidays at MKB?

Who can take advantage of credit holidays?

Borrowers whose income has dropped by at least 30% compared to the previous year can get a deferral on monthly payments for consumer loans.

When applying for credit holidays, the income for the month preceding the date of application to the bankis taken into account. That is, if the borrower's salary dropped significantly in June, it is better for them to apply for the relief no earlier than July.

Citizens who have already arranged a payment deferral previously can also use this service.

Which loans are eligible for credit holidays?

You can get credit holidays at Credit Bank of Moscow for any type of consumer loan, but only if they do not exceed the limits established by law. Namely:

• if the amount of the consumer loan for individuals does not exceed 450,000 RUB;
• car loan without collateral — 450,000 RUB;
• car loan with collateral — 1.6 million RUB;
• credit card — 150 thousand RUB.

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How do credit holidays work at MKB?

The provision of a deferral entails the absence of any payments for the entire term of the credit holidays, including interest on the principal debt. However, this does not mean that the bank completely exempts borrowers from paying the interest portion of the loan. The overpayment is calculated at ⅔ of the weighted average rate of the Bank of Russia and is accrued after the end of the credit holidays. That is, for some time, monthly payments will be larger due to the interest accrued during the deferral.

In addition, the loan term will be extended by the duration of the credit holidays. For example, a borrower requested a four-month deferral. The final payment on their loan will also be shifted forward by four months.

What documents are required to apply for a loan holiday?

Along with the application for credit holidays, you must provide documents confirming your eligibility for the relief. These may include:

• 2-NDFL income statement;
• certificate of registration as unemployed;
• copy of the labor book with the dismissal record;
• sick leave certificate;
• copy of the salary reduction order;
• copy of the employer's suspension of operations order.

How to apply for credit holidays at MKB?

To get a deferral from MKB in 2024, you need to:

1. Submit an application to the bank for credit holidays for a period of one to six months and provide documents confirming eligibility for the relief.
2. Wait for the bank's decision on the application.

You can submit an application to MKB online on the official website in the "Contact the Bank" section or at any convenient branch.

Answering questions

To conclude the article, we will answer the most frequently asked questions on the topic.

Can I apply for credit holidays for several loans at once?

If your loans fall under the program, you can apply for a monthly payment deferral for each of them.

When do I need to apply?

You should request credit holidays no later than September 30, 2022.

Can I end credit holidays before the period specified in my application?

Yes, to do this, you need to notify the bank of your decision.

Why is MKB denying credit holidays?

Most likely, you do not qualify for the program.

Can I appeal the bank’s decision?

If you disagree with the lender's decision, you can file a complaint against the bank on the website of the Bank of Russia.