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intensive rainy They affect around 100,000 micro and small businesses, with losses of around S$400 million, according to the Mype Research Center.
More than 45,000 people have been affected by river floods in various regionswith the loss of homes and other assets.
Faced with this situation, the Banking, Insurance and AFP Authority (SBS) has authorized financial institutions to take exceptional action due to the state of emergency. What does this mean?
The SBS specifies that measures should be assessed by each finance company with a preliminary analysis of the level of impact on their debtors.
Now banks, savings banks and financial companies have the right to change the contractual terms of consumer loans, mortgage loans and loans from mypes, without implying refinancing or deterioration in the credit rating of their customers.
With this measure, banks will be able to extend the loan repayment term. loans for up to six months.
To do this, certain conditions must be met, for example, that on the date of the declaration of emergency or on the date of the restructuring, the debtors demonstrate adequate payment behaviour.
financial institutions You will have up to 30 days to notify customers before making changes unilaterally. If the customer does not wish to take advantage of this measure, the customer must contact their organization to cancel the rescheduling.
Source: RPP
I’m Liza Grey, an experienced news writer and author at the Buna Times. I specialize in writing about economic issues, with a focus on uncovering stories that have a positive impact on society. With over seven years of experience in the news industry, I am highly knowledgeable about current events and the ways in which they affect our daily lives.