Text file: 10964.txt
author: Andr3j
downvotes: 0
end consideration date: 2020-04-14
id: '10964'
number comments: 4
number views: 462
proposal type: Competent authority response
response: 'Response from the Ministry of Finance

  Please be informed that this proposal has already been implemented by the adoption
  of the Act on the intervention measure on the deferral of payment of borrowers''
  liabilities (Official Journal of the Republic of Slovenia, No 36/20 and 49/20 -
  ZIUZEOP; hereinafter: ZIUOPOK), which entered into force on 29 March 2020. This
  Act provides for an intervention measure to defer payment of obligations under a
  credit agreement in order to prevent serious economic damage and to preserve financial
  stability in the Republic of Slovenia in connection with the consequences of the
  declaration of an epidemic of the infectious disease SARS-CoV-2 (COVID-19) in the
  territory of the Republic of Slovenia.

  The ZIUOPOK provides that a bank (savings bank) shall grant a borrower a deferment
  of payment of obligations under a credit agreement for a period of 12 months if
  the individual obligations under the credit agreement for which the borrower requests
  a deferment of payment have not yet fallen due by the time of the outbreak of the
  virus epidemic. Borrowers covered by the CIAA include both natural and legal persons.

  A borrower requesting a deferral shall establish and justify in the application
  that, due to circumstances related to the consequences of the virus outbreak, he
  is temporarily unable to guarantee the repayment of his obligations under the credit
  agreement with the bank and, to that end, shall provide a description of the facts
  and circumstances related to the consequences of the virus outbreak which have affected
  his financial situation. An exception to this shall be made for borrowers who are
  engaged in an activity for which a governmental or municipal decree has temporarily
  prohibited the provision of a service or the sale of goods as a result of the virus
  epidemic. In this case, the borrower shall indicate in the application only the
  government or municipal decree affecting the exercise of his activity.'
response date: 2020-05-22
response due date: null
sent date: 2020-03-15
title: Banks - credit
upvotes: 19
url: https://predlagam.vladi.si/predlog/10964
