(Sa pagpapalawig sa lockdown) LOAN PAYMENT EXTENDED PA NG 1 MONTH

MAY panibagong 30 araw na palugit ang loan payment na ang  due dates ay babagsak sa extended Luzon lockdown period, alinsunod sa coronavirus response law ng bansa, ayon sa Bangko Sentral ng Pilipinas (BSP).

Pinalawig ni Presidente  Rodrigo Duterte ang Luzon-wide enhanced community quarantine ng 18 araw sa  April 30. Nauna nang ipinatupad ang 30-day payment moratorium sa loan dues na bumagsak sa orihinal na  March 17-April 12 lockdown period.

“With the extension, basically any payment that falls due for the duration of the extended period gets 30 day grace,” wika ni Bangko Sentral ng Pilipinas Managing Director Pia Roman-Tayag

“A 30-day moratorium effectively moves the term by one payment period,” ani Tayag.

“For next payment after ECQ (enhanced community quarantine), you only pay for that period’s principal and interest and possibly the interest accrued from the ECQ,” aniya.

Sinabi pa ni Tayag na ang mga hindi nakapagbayad sa panahon ng lockdown ay kailangan lamang magbayad ng principal at interest para sa isang buwan matapos ang quarantine period.

“If for example, a borrower skipped payments on March 17 and April 17, he or she only needs to pay the 1-month principal plus interest.”

“You have the option to also pay on May 17 the interest only accrued for the two periods or you can stagger then through the life of the loans,” dagdag pa niya.

Sa ilalim ng Bayanihan to Heal as One Act, ang lahat ng lending institutions ay inaatasang magbigay ng 30-day grace period para sa lahat ng loans na ang payment dues ay bumagsak sa panahon ng lockdown.

Sakop nito ang lahat ng banks, quasi-banks, non-stock savings and loan associations, credit card issuers at pawnshops, gayundin ang financial institutions sa ilalim ng BSP, Securities and Exchange Commission (SEC), Cooperative Development Authority (CDA), Government Service Insurance System (GSIS), Social Security System (SSS) at  Pag-IBIG.