Dusan Uzelac from the Kamatica website told RTS that everyone who gets the installment at the end of June will not have to pay it, but everyone who gets the installment on July 1 and every next one will start repaying the loan as before. The break lasted for three months, now everything is the same, Uzelac explained.
Almost three months ago, banks in Serbia harmonized the regulations with the decisions of the National Bank of Serbia on the moratorium, ie the possibility of delays in loan repayment and leasing during the state of emergency in Serbia. The moratorium period is slowly passing.
Visiting the RTS morning program, Dusan Uzelac from the Kamatica website said that more than 95% of clients decided for a moratorium – it was easy to apply for a moratorium, it was declared and those who did not want to accept the loan postponement responded.
“Everyone who gets the installment at the end of June will not have to pay it, everyone who gets the installment on July 1 and every next one starts repaying the loan as before, had a break of three months, now the payment continues,” said Uzelac.
According to him, the citizens will receive a new repayment plan, a table on installments and maturity, and it will be adjusted for the amount of interest. There was a break during the moratorium, interest was flowing during that time, the taximeter was ticking for 90 days and the amount will be distributed to the rest of the debt.
If the loan was for 10 years, the repayment is longer than three months, and the interest amount will be accumulated in three months.
“If the installment is 100 euros, about 25 euros of interest, times three months 75 euros – it will be allocated to the rest of the repayment period – if there are nine months left until the end, 10 euros will be added to those nine months,” Uzelac explained.
“The time has not yet come for the repayment to continue, they need to adjust to the situation because when we change the habit in the household budget, when we adjust to a larger amount it is harder to go back, it is a challenge to start functioning as three months ago. Some people have lost their income – it is a special challenge for them,” said Uzelac.
As he says, all other activities are individual, so far the NBS regulation was valid, but when that is over, individual communication continues.
“Anyone who notices that repaying the loan hurts in some way is a signal to look for a better solution, to reduce the installment, to ask for an additional break, a grace period, to try anything,” he says.
Banks invite citizens to come, but ask for money back, without much empathy, Uzelac pointed out.
He points out that the bank is not interested in creating a problem for the client, and also that the bank wants to avoid legal problems: forced collection, mortgage.
Some banks have raised interest rates on housing loans. Uzelac says the market has increased risk and that the economy has not functioned for three months at full capacity.
“Some will return for more than a year, the bank sees that and that is its mechanism. We have a problem because we allowed the banks to manage our money,” said Uzelac.
Banks say they would not lend anything because they have a high risk, they are largely managing whether there will be a faster recovery of the economy, he said.
Hackers hacked the sites of some banks. Uzelac says that there is a set of things that you need to know – you need to know that you do not give a PIN to everyone and that is what happens on the Internet.
“You have to recognize what is official, the bank has an obligation and a desire to protect the client, it all exists in the documentation that it submitted to you. You can check every communication with call centers,” concluded Dusan Uzelac, Nova reports.
