I want to, on behalf of my wife as she's currently not working and has no income. Only expected to work again next year february or march.

I read few news articles saying that if borrower has any difficulty, they should talk to their bank as bank will consider all situations that debtor are facing.

However when I give a call to bank's customer service or read information on their website, it keep mentioning that it is only applicable for retrenched or salary cut.