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.

in time of crisis, one school of thought is to pare down borrowing as much and as soon as possible; second school of thought is to keep gun powder dry for action later.