Short-term are considered to be the types of arrangement with a duration of less than two years that concern cases where the repayment difficulties are judged to be valid, temporary, indicatively: Reduction of interest rate for a specified short-term period Payment of interest only Grace period

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 [...]

A final settlement solution is defined as any change in the type of contractual relationship between the owner of the claim and the Debtor or its termination, with the aim of the final settlement of the claim. This solution can be combined with a (voluntary) delivery of collateral to the owner of the claim to [...]