The figures show that banks are meeting their commitment, given that payment deferrals are granted both within and outside the Febelfin framework. Around one-quarter of all payment deferrals are granted outside the Febelfin framework, and thus on an individual basis. This shows that banks are ready to assist households with a personalised solution.
We can tentatively conclude from these initial figures that households have a limited need for payment deferrals of home loans.
But the financial sector continues to monitor the figures closely, of course, as this can change rapidly in the current economic climate. For example, we expect that many more fixed energy contracts will be terminated and converted to variable contracts, and that periodic advance payments will be increased, and so on. The demand for payment deferrals could thus evolve in the coming weeks. Indeed, the scheme has only been in operation for a few days and payment deferral applications are open until the end of March 2023.