{"id":21395,"date":"2021-06-02T11:02:22","date_gmt":"2021-06-02T05:32:22","guid":{"rendered":"https:\/\/plyinsight.com\/?p=21395"},"modified":"2021-06-02T11:11:40","modified_gmt":"2021-06-02T05:41:40","slug":"cost-of-relief-on-loan-re-structuring","status":"publish","type":"post","link":"https:\/\/plyinsight.com\/hi\/cost-of-relief-on-loan-re-structuring\/","title":{"rendered":"Cost of Relief on Loan re Structuring"},"content":{"rendered":"

With the second wave of the pandemic hitting the country hard, the Reserve Bank of India (RBI) again announced relief measures for retail borrowers.<\/p>\n

These will apply both to those who have not availed of any relief in the past and those who have.<\/p>\n

If you are an individual borrower who did not avail of the restructuring facility under resolution framework (RF) 1.0 announced in August 2020 and available till December 2020, you can now get your loan restructured till September 30, 2021. However, you will have to fulfill a couple of conditions. \u201cThe loan account needs to be classified as ‘standard’ on March 31, 2021 and outstanding dues should be up to `25 crore.\u201d<\/p>\n

Borrowers who have availed of relief in the past can do so again. If under RF 1.0 their moratorium was for less than two years, or if the residual tenure was extended for less than two years, then the moratorium period can be increased, and\/or the residual tenure can be extended up to two years.<\/p>\n

What is a resolution framework?<\/strong><\/span>
\nUnder RF 1.0, any individual whose payments were not overdue by more than 30 days on March 1, 2020, could request for loan restructuring. This could take the form of a moratorium, rescheduling, or conversion of the loan into another credit facility.<\/p>\n

Moratorium means the borrower does not pay any EMI. His unpaid dues get added to his principal, which grows bigger. When he starts paying his EMI again, his tenure (in some cases even the EMI) increases. Rescheduling means the customer gets his EMI reduced and his tenure increased.<\/strong><\/p>\n

The third option was that the loan could be converted into another loan, say; part of the home loan could be converted into a personal loan.<\/strong><\/p>\n

The relief will come at a cost. Remember your total interest cost on the loan will rise.<\/strong><\/p>\n

Do not confuse a resolution framework with the March-August 2020 moratorium on which the Supreme Court waived the interest on interest.<\/p>\n

Finally, in some cases, the lender cold convert a part of your home loan into a personal loan. \u201cThis will entail paying a higher rate of interest, which you should try to resist.\u201d<\/p>\n

\n

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With the second wave of the pandemic hitting the country hard, the Reserve Bank of India (RBI) again announced relief measures for retail borrowers. These will apply both to those who have not availed of any relief in the past and those who have. If you are an individual borrower who did not avail of […]<\/p>","protected":false},"author":1,"featured_media":21398,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1220],"tags":[],"class_list":["post-21395","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-may-articles-2021"],"yoast_head":"\nCost of Relief on Loan re Structuring - PLY INSIGHT<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/plyinsight.com\/hi\/cost-of-relief-on-loan-re-structuring\/\" \/>\n<meta property=\"og:locale\" content=\"hi_IN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cost of Relief on Loan re Structuring - PLY INSIGHT\" \/>\n<meta property=\"og:description\" content=\"With the second wave of the pandemic hitting the country hard, the Reserve Bank of India (RBI) again announced relief measures for retail borrowers. These will apply both to those who have not availed of any relief in the past and those who have. 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