MORATORIUM PEMBIAYAAN BANK SEMPENA WABAK COVID

Apa itu moratorium?

Moratorium adalah penangguhan rasmi bayaran ansuran bulanan daripada pembayar kepada pihak bank tanpa caj penalti atau denda.

Ini bermakna pelanggan bank tidak perlu membayar ansuran peribadi atau rumah atau kenderaan atau lain-lain selama 6 bulan, bayaran ansuran akan bersambung setelah tempoh moratorium tamat.

Persatuan Bank dalam Malaysia mengumumkan ahli-ahlinya komited dalam membantu rakyat Malaysia menghadapi Perintah Kawalan Pergerakan kerana wabak COVID-19 ini.

Antara bank atau entiti pembiayaan yang telah secara rasmi membuat pengumuman menawarkan moratorium kepada pelanggan mereka baik individu atau syarikat kecil dan sederhana adalah:

1. Bank Rakyat
2. SME Bank
3. TEKUN
4. Bank Simpanan Nasional
5. Public Bank dan Public Islamic Bank
6. RHB Bank dan RHB Islamic Bank
7. AgroBank
8. Hong Leong Bank dan Hong Leong Islamic Bank
9. Maybank dan Maybank Islamic
10. Bank Islam Malaysia Berhad
11. Bank Muamalat Malaysia Berhad

Permohonan moratorium boleh dibuat di cawangan-cawangan bank atau melalui telefon bank masing-masing.

will it affect CCRIS CTOS? that's the main concern.

How to opt in? Just call the bank is it?

Moratorium don’t affect CCRIS as this is part of relief for individuals and SMEs effort.

Despite not paying the instalments for 6 months, the interest for the duration will still be charged. Hence, outstanding balance at the end of 6th month will be more.

i believe it will.. My belief is CCRIS will put as default but the bank side just take note as a non default case.

As i think the bank is not going to declare the mortgage is settled for the 6 months since no payment is received.

does that mean the duration of my loan also extend by 6 mths or just follow the original plan?

new to this moratorium terms .. ><

To have your loan repayment extended you have to apply with your bank.

Its not automatically applied to everyone.

PBB fill in form and applied at your home branch.
RHB you can call and email customer.advocacy@rhbgroup.com with the supporting document
Am Bank have to fill in form

This post has been edited by rapple: Mar 20 2020, 06:34 PM

Can use this free and surplus cash flow to BBB more property.

This post has been edited by icemanfx: Mar 20 2020, 07:56 PM

https://ringgitplus.com/en/blog/bank-news/m...oronavirus.html

U kena covid?

If vaccine is not available in time, up to 80% of the world population could be infected.

This post has been edited by icemanfx: Mar 21 2020, 10:45 AM

Expert in every field

Not at all, just a lowly student; you should take it as blow water.

This post has been edited by icemanfx: Mar 21 2020, 11:08 AM

Unlikely it is not HIV, our antibody could combat the virus. Even it is a slow progression but surely our antibody will improve and adapt the new threat

Our body have antibody only after infected.

For Public Bank, request for moratorium can directly email to mailto:customerservice@publicbank.com.my with heading request for Moratorium. Please indicate Name, Account Number, HandPhone number and if possible Branch you applied loan with.

Duration of your loan will be extended for 6 month. you will continue to pay your repayment after the moratorium ends.

I assume once you submit it's up to the bank to APPROVE/REJECT the moratorium, right ?

https://www.theedgemarkets.com/article/bnm-...pt-credit-cards

Automatic

What will happen to housing loan repayment by standing instruction? Automatically stop debiting as well?