60-DAY GRACE PERIOD SA LOAN PAYMENTS, MGA BANGKO INATASAN NG BSP NA SUMUNOD

INATASAN ng Bangko Sentral ng Pilipinas (BSP) ang lahat ng bangko at financial institutions na sumunod sa provision sa Bayanihan to Recover as One Act na nagkakaloob ng 60 araw na palugit sa pagbabayad ng mga utang.

Sa isang memorandum na nilagdaan kahapon ni BSP Governor Benjamin Diokno, ang lahat ng central bank-supervised finan-cial institutions ay inaatasang tumalima sa Section 4(uu) ng Republic Act No. 11494 o ang Bayanihan 2, na nagkabisa noong Sep-tember 15.

Inaatasan ng naturang provision ang lahat ng saklaw na institusyon na magpatupad ng mandatory one-time 60-day grace period sa lahat ng loans na “existing, current and outstanding falling due, or any part thereof, on or before December 31, 2020”

Ang mandatory one-time 60-day grace period ay ipatutupad sa bawat loan ng mga indibidwal at entities na may multiple loans.

“BSFIs (BSP-Supervised Financial Institutions) shall not charge or apply interest on interest, penalties, fees or other charges during the mandatory one-time 60-day grace period to future payments/amortizations of the borrowers,” wika ni Diokno.

“They are likewise prohibited from requiring their clients to waive the application of the provisions of the ‘Bayanihan to Recov-er as One Act’,” sabi pa ni Diokno.

“The accrued interest for the one-time 60-day grace period may be paid by the borrower on a stag-gered basis until December 31, 2020. Nonetheless, this shall not preclude the borrower from paying the accrued interest in fill on the new due date.”