The credit moratorium states, under a government decree, that you will not have to pay your monthly installments from March 19, 2020 to December 31, 2020. This deferral applies only to loans disbursed up to 18 March 2020. The payment moratorium states that you may not have any payment obligations on your loan until 31 December 2020. The repayment installment of your loan cannot increase from January 1, 2021, the term of the loan will simply be extended. The repayment moratorium applies to both retail and corporate loans. The credit moratorium applies to all loans, loan and lease agreements, including commodity loans, CSOKs, home loans, personal loans, baby loans, and even car loans.