Must have a catch one. That's why this thread is 13 pages long.

I haven't read the statement by BNM but will do later and will call them first thing tomorrow.

Things I care about this is:
1. does it accrue interest for 6 months starting 1st April if automatic moratorium
2. does it affect my CCRIS
3. do I need to apply or something (asking for an individual who is a NEET)
4. what's the catch?

Although some of you already mention it doesn't accrue interest, some say got. This shit gets complicated. There must be a catch somewhere.

t. not a financial/accounting major so no kecam please

my loan payment is scheduled/auto deduct from my saving account every month. how to opt out of this deferment? is there a specific contact email address or website from banks for this? do i have to personally go to bank to opt out? with the roadblock, i can't even reach the bank.