Credit holidays

• What it is

  A payment pause or reduction for 1–12 months: interest capitalizes or defers — the loan gets pricier.

• Who qualifies

  Military, IDPs, war-affected, income loss — by application with documents; not 'on request'.

• Documents

  Application, income certificate/military ID/IDP status, restructuring schedule; bank's decision — not automatic.

• Credit history

  Legal holidays don't hurt history; non-payment without agreement — delinquency and the bureau.

Holidays are a tool, not a gift: interest accrues, the term grows. If payments became unaffordable — take holidays before delinquency, not after: a delinquent loan is already in the bureau.