How to get credit holidays at T-Bank in 2024?

Условия получения кредитных каникул в Т-Банке

The terms for granting a grace period at T-Bank in 2024 are as follows:

• the loan meets the limits — we will detail them below;
• a decrease in the borrower's income level by 30% or more compared to the previous year;
• no current credit holidays.

As we mentioned earlier, credit holidays as a state support measure were available in 2020. If a borrower has already received a payment deferral before, they can take it again take it in 2024. However, this year the benefit can be applied to an agreement only once.

Кто может оформить кредитные каникулы в Т-Банке

There are no special requirements for borrowers. All individuals whose income has decreased by more than a third compared to the previous year can use this support measure. When granting the grace period, the salary for the previous month is taken into account. This means that if the borrower's income dropped in July, they should apply for a deferral no earlier than August.

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Terms of the grace period for specific products

You can get credit holidays for a loan only if it meets the requirements of the Federal Law, specifically staying within the established limits:

• the maximum amount for an unsecured consumer cash loan must not exceed 450,000 RUB;
• the amount of an unsecured auto loan is 450,000 RUB;
• the amount of a secured auto loan is 1.6 million RUB;
• the initial credit card limit amount is 150,000 RUB.

Documents required to obtain a credit holiday

To obtain a deferral, the borrower must confirm a drop in their income level, so in addition to the application, the document package must include one of the following documents of choice:

• 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.

Features of credit holidays at T-Bank in 2024

Credit holidays under Federal Law-106 imply a complete absence of payments. This means the borrower does not even need to make interest payments during the entire deferral period.

However, these holidays have their own features:

1. Despite the fact that there are no actual payments during the credit holidays, the bank still accrues loan interest at a rate of ⅔ of the Central Bank of the Russian Federation's average market rate.
2. Interest accrued during the credit holidays is distributed in equal payments over several months. This means that for a certain period, monthly payments will be slightly higher than usual.
3. The loan term is extended by the exact duration of the deferral. If a client applied for a six-month deferral, the final payment on their loan will be pushed back by six months as well.

The maximum duration of credit holidays is six months. The deferral can also be shorter — its duration is determined by the borrower.

How to get credit holidays at T-Bank in 2024?

To obtain credit holidays, the borrower needs to:

1. Call the hotline at 8 (800) 555-10-10 on any day from 10:00 AM to 8:00 PM.
2. Submit a verbal application for the grace period.
3. Send photos or scans of documents confirming eligibility for the benefit via the mobile app chat or online banking.
4. Wait for the bank's decision on the application.

T-Bank reviews the application for grace holidays within five days from the date of submission. 

Answering questions

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

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. You can do this via the hotline or in the chat.

The bank refused to grant credit holidays. Why?

Most likely, you simply do not qualify for the program. However, if you believe the denial of the benefit is unlawful, you can file a complaint on the Central Bank's website.

What should I do if I work unofficially and can’t confirm that my income has decreased?

Without evidence, you won’t be able to use the program and get a payment deferral.