You may apply for a loan repayment holiday if all of the following conditions are met:

• the loan agreement was concluded before March 1, 2022,
• the loan amount / credit limit does not exceed the maximum level established by the Government of the Russian Federation,
  
• there is a documented decrease in income of more than 30% in the month preceding the month of your application for the holiday, compared with your average monthly income for 2021,
  
• as of the date of application, the loan agreement is not subject to a preferential period granted in accordance with Article 6.1-1 of Federal Law No. 353-FZ dated December 21, 2013 "On Consumer Credit (Loan)" (for mortgage loans).
  

For no more than 6 months. Within this period, you can determine the holiday term yourself based on your situation.

According to the Decree of the Government of the Russian Federation, the maximum loan amount for which a payment holiday can be obtained:

• Personal loan for individuals — RUB 300,000.

• Credit cards (limit) — RUB 100,000

• Car loan – RUB 700,000.

• Mortgage loan – RUB 3 million (for residential premises located in Moscow – RUB 6 million, in the Moscow Region/ St. Petersburg/ constituent entities of the Russian Federation included in the Far Eastern Federal District – RUB 4 million).

If the amount or limit of your loan exceeds the maximum values, you may contact the bank to consider the possibility of reducing the payment under the bank's standard restructuring programs; an application for restructuring can be submitted on the bank's website.

If you can provide documentary proof of a 30% or more decrease in your income, a phone call to The bank at 8 800 700 00 79 from the phone number specified in the loan application form or in the loan agreement will be sufficient.

You can submit an application at any time during the term of the loan agreement, but no later than September 30, 2022.

In the event of a complete or partial loss of income, as well as unpaid leave:

• 2-PIT, 3-PIT certificate / income and expense ledger (for individual entrepreneurs), certificate on the status of settlements for professional income tax (for self-employed persons)

In case of dismissal or liquidation of the company:

• extract from the employment center on registration as unemployed

In case of illness:

• sick leave certificate (certificate of temporary disability) for a period of 1 month or more.

If you have a co-borrower, the documents must also be provided by them.

In this case, the loan payment holiday will be cancelled. The entire amount of deferred payments will become overdue, a penalty will be charged on the amount of payments you failed to make, and your credit history will deteriorate.

Yes, this option is available.

Yes. For a mortgage loan, a payment holiday of up to 6 months may be granted if the loan meets the amount requirements of the Government Resolution, the reduction in income is documented, and if there is currently no mortgage payment holiday in effect for your mortgage loan.

Yes, you can. If you used this program in 2020, you may apply for loan payment holidays again in 2022.

After the payment holiday period, you will need to repay both scheduled payments and deferred ones. During the payment holiday period, interest on the use of the loan will continue to accrue.