Credit Card Emi Moratorium Extension.Credit Card Restructuring.Moratorium

Credit Card Emi Moratorium Extension.Credit Card Restructuring.Moratorium

Loan restructuring to hit credit score, eligibility - The Reserve Bank of India’s (RBI) move to allow lenders to restructure loans of borrowers who are facing financial difficulties may ease you up but be ready to deal with lower credit scores and loan eligibility. RBI allowed a one-time restructuring of loans after the six months’ moratorium facility got over in August. The regulator has allowed lenders to retain these loans as “standard" on their books, which will help lower their non-performing assets (NPAs), but report them as “restructured" to the credit bureaus. Loans reported as restructured have a negative impact on the credit scores of borrowers.


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