Long-term types of arrangement with a duration of more than two years are considered, with the aim of reducing the installment and/or the loan burden, taking into account conservative assumptions for the estimated future repayment capacity of the borrower until the end of the program, indicatively:

  • A reduction in the interest rate or interest rate spread
  • Extension of loan repayment period
  • Final write-off of part of the total claim, so that the balance is formed at an amount that is estimated to be able to be serviced smoothly