{"id":48989,"date":"2021-08-04T19:11:00","date_gmt":"2021-08-04T11:11:00","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=48989"},"modified":"2021-09-09T11:51:49","modified_gmt":"2021-09-09T03:51:49","slug":"alliance-bank-payment-relief-assistance","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/alliance-bank-payment-relief-assistance","title":{"rendered":"Do You Need Help With Your Loan Or Financing Repayment?"},"content":{"rendered":"<p><strong>In partnership with<a href=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2012\/05\/Alliance-bank3.png\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-546\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2012\/05\/Alliance-bank3.png\" alt=\"\" width=\"175\" height=\"38\" \/><\/a> <\/strong><\/p>\n<p>If your income, job or business has been affected due to the COVID-19 pandemic and you need to buy some time to get yourself financially back on track, the offer of payment relief assistance is certainly welcome news.<\/p>\n<p>This time around, the government\u2019s latest <a href=\"https:\/\/www.imoney.my\/articles\/pemulih-aid-package-covid\">PEMULIH aid package<\/a> announced in July 2021 allows all individual borrowers and SMEs (including micro-entrepreneurs) to apply for a 6-month loan\/financing moratorium or 50% reduction of monthly instalment for 6 months.<a href=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/08\/04172258\/ALB-PRA-1.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-48993\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/08\/04172258\/ALB-PRA-1-300x301.jpg\" alt=\"Alliance Bank PRA\" width=\"232\" height=\"234\" srcset=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/08\/04172258\/ALB-PRA-1-300x301.jpg 300w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/08\/04172258\/ALB-PRA-1-150x150.jpg 150w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/08\/04172258\/ALB-PRA-1.jpg 472w\" sizes=\"(max-width: 232px) 100vw, 232px\" \/><\/a><\/p>\n<p>Unlike last year, it is not a blanket moratorium and all individual borrowers and business owners need to apply for it. However, under PEMULIH, all applications will be automatically approved.<\/p>\n<p>Individual borrowers and businesses who can apply include:<\/p>\n<ul>\n<li>All individuals (whether you are B40, M40 or T20)<\/li>\n<li>All Small and Medium-sized Enterprises (SMEs) affected by the pandemic<\/li>\n<li>All microenterprises<\/li>\n<\/ul>\n<p>Source: <a href=\"https:\/\/www.bnm.gov.my\/RA\" target=\"_blank\" rel=\"noopener noreferrer\">BNM<\/a><\/p>\n<p>Even if you had previously applied for payment assistance or opted for the loan moratorium last year, you can still apply this time.<\/p>\n<p>In addition to the standard payment relief packages, Alliance Bank also offers customised payment relief packages.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Heres-what-is-available-under-Alliance-Banks-Payment-Relief-Assistance\"><\/span>Here\u2019s what is available under Alliance Bank\u2019s Payment Relief Assistance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Alliance Bank has made available payment relief assistance (PRA) packages for both individuals and businesses.<\/p>\n<p>For individuals, the bank is offering payment relief options to assist their customers who have trouble paying for their home, personal loan\/financing and hire purchase monthly instalments.<\/p>\n<p><center><iframe loading=\"lazy\" title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/pPxf56OqC6s\" width=\"580\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/center>As for businesses, they provide payment relief for customers for credit facilities ranging from term loan\/financing to industrial hire purchase.<\/p>\n<p>Customers have the option to select the payment relief package they need and inform the bank. They can do this by:<\/p>\n<ul>\n<li>visiting the bank\u2019s <a href=\"https:\/\/www.alliancebank.com.my\/\">website<\/a> to fill in an online form<\/li>\n<li>replying to the bank\u2019s SMS text or WhatsApp message<\/li>\n<li>calling the hotline at 03-5516 9988 for assistance<\/li>\n<\/ul>\n<p>However, just because you can get approved for the loan moratorium doesn\u2019t mean you have to take it.\u00a0 If you are fortunate enough to keep your income in these trying times, there are other factors you should keep in mind.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What-happens-if-you-take-the-moratorium-or-lower-your-monthly-instalments\"><\/span>What happens if you take the moratorium or lower your monthly instalments?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/08\/04172337\/ALB-PRA-2.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-48995\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/08\/04172337\/ALB-PRA-2-300x300.jpg\" alt=\"Alliance Bank PRA\" width=\"246\" height=\"246\" srcset=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/08\/04172337\/ALB-PRA-2-300x300.jpg 300w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/08\/04172337\/ALB-PRA-2-150x150.jpg 150w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/08\/04172337\/ALB-PRA-2-200x200.jpg 200w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/08\/04172337\/ALB-PRA-2.jpg 631w\" sizes=\"(max-width: 246px) 100vw, 246px\" \/><\/a>If you are really in need of financial breathing room right now, taking up a payment relief package is certainly a good option. However, it is important that you understand what it entails, especially after the six months is up.<\/p>\n<p>Reducing or temporarily stopping your repayments will result in paying more in total loan\/financing in the future due to additional interest\/profit. You will also likely need a longer time to finish paying it since it is a larger amount compared to the original loan\/financing you took out.<\/p>\n<p>So, if you take the loan moratorium or reduced instalment, this will:<a href=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/08\/04172440\/ALB-PRA-3.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-48996\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/08\/04172440\/ALB-PRA-3-300x307.jpg\" alt=\"Alliance Bank PRA \" width=\"247\" height=\"252\" srcset=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/08\/04172440\/ALB-PRA-3-300x307.jpg 300w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/08\/04172440\/ALB-PRA-3.jpg 580w\" sizes=\"(max-width: 247px) 100vw, 247px\" \/><\/a><\/p>\n<ul>\n<li>free up your cash flow for the next 6 months<\/li>\n<li>not affect your CCRIS record<\/li>\n<li>not compound the interest or profit on your loans and financing (there will be no interest\/profit rate charged on your loan\/financing interest\/profit rate)<\/li>\n<li>still incur monthly interest\/profit on the loan\/financing amount<\/li>\n<li>extend the term of your loan\/financing or increase the amount you pay in monthly instalments later to cover the interest\/profit rate charges from the six months<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"What-can-you-expect-after-the-six-months-is-over\"><\/span>What can you expect after the six months is over?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>As explained, your borrowing cost will increase the longer you take to pay off the loan\/financing. For individuals and businesses, Alliance Bank offers several options for borrowers to manage their personal loan\/ financing, hire purchase or mortgage.<\/p>\n<p>If you choose to take up the payment relief assistance, there are two ways to continue repayment after six months:<\/p>\n<ol>\n<li><strong>Step-up Instalment<\/strong><\/li>\n<\/ol>\n<ul>\n<li>Start with lower monthly instalment.<\/li>\n<li>Pay a higher instalment in later months<\/li>\n<li>Additional interest\/profit rate from the six months moratorium can be paid off faster (or calculated on the loan daily outstanding for a shorter period for mortages)<\/li>\n<\/ul>\n<p><strong><em>Who should take this up:<\/em><\/strong> Those who need to reduce instalment payments for a short term.<\/p>\n<ol start=\"2\">\n<li><strong>Equal instalment<\/strong><\/li>\n<\/ol>\n<ul>\n<li>Pay the same monthly instalment for the remaining loan\/financing years<\/li>\n<li>Pay for the additional interest\/profit rate spread over the remaining years (or pay for the additional interest\/profit rate calculated based on the loan daily outstanding over a longer period)<\/li>\n<\/ul>\n<p><strong><em>Who should take this up:<\/em><\/strong> Those who want to reduce all their future monthly instalment payments until they finish repaying the entire amount owing.<\/p>\n<div class=\"block\"><div>Individuals who want more details can refer to the bank\u2019s FAQs <a href=\"https:\/\/www.alliancebank.com.my\/post-moratorium-faqs-ind.aspx\">here<\/a>.<\/p>\n<p>For businesses who need more details on the additional documents needed to take up a payment relief package for their loan\/financing or industrial hire purchase, you can refer to the FAQs <a href=\"https:\/\/www.alliancebank.com.my\/post-moratorium-faqs-biz.aspx\">here<\/a>.<\/div><\/div>\n<p>For individuals who need advice on managing debts, please seek help from <a href=\"https:\/\/www.akpk.org.my\/\">AKPK<\/a> (Agensi Kaunseling dan Pengurusan Kredit). Likewise, businesses can contact the AKPK <a href=\"https:\/\/www.akpk.org.my\/smehelpdesk\">SME Help Desk<\/a> for advice too.<\/p>\n<p>Ultimately, do consider the pros and cons of taking up the payment relief assistance carefully before making a decision. Without a doubt, it can provide much-needed financial relief to those who have been impacted by the pandemic. However, if your income is not affected, it is better to continue repaying your loan\/financing according to schedule.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tight cash flow situation giving you sleepless nights? Try payment relief assistance.<\/p>\n","protected":false},"author":1,"featured_media":49004,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1,236],"tags":[208,554],"class_list":["post-48989","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment","category-sponsored","tag-featured","tag-loan-moratorium"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>All You Need To Know About Payment Relief Assistance<\/title>\n<meta name=\"description\" content=\"In July 2021, another payment relief package was announced. 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