How this will affect those with flexi loan? How the interest will be calculated?

For the normal term loan, I assume that you'll need to pay the 6 months interest in lump sum on month 7 if you don't want it to be compounded after the 6 months moratorium?

For HP, it is depending on bank right? It is not necessary that it will extend the tenure by 6 months. It could be you pay more to cover back the 6 months (same tenure)