Treat a home-loan moratorium or payment pause as restructuring, not free relief. Compare capitalised interest, revised EMI, longer tenure, credit reporting and

Home Loan Moratorium Request: Evidence, Cost, and Alternatives

A moratorium can solve a temporary cash-flow shock but increase total borrowing cost. Ask the lender for each option in writing with the new repayment schedule, not just a lower payment for the next few months.

Prepare a 90-day cash-flow statement

Stable household income.
Essential living costs and insurance.
All EMIs and secured obligations.
Emergency savings available without exhausting the buffer.
Expected date and evidence for income recovery.

Decision guide

Which relief structure fits the problem?

Choose the smallest intervention that restores sustainable repayment.

Start hereWhat kind of payment problem are you facing?

Path A

Short temporary income interruption

Ask for temporary relief options and compare the extra interest created during the pause. Confirm how payments resume and how the account will be reported.

Path B

EMI is permanently too high for current income

A short moratorium may only delay the problem. Discuss longer-term restructuring, tenure or asset-level options with the lender and obtain professional financial advice where needed.

Path C

One-time cash shortage but income is otherwise stable

Compare using emergency cash, partial payment or a short bridge arrangement before accepting a full payment pause that capitalises more interest.

Compare every offer by total cost

For each option, write the balance today, unpaid interest added, new EMI, new tenure, total future repayment and any fees. Reject any comparison that shows only the temporary EMI reduction.

Stop condition: if repayment is not likely to recover after the relief period, treat the situation as a solvency problem early rather than repeatedly extending temporary pauses.

Home-loan affordability worksheet

Calculate housing outflow as EMI or pre-EMI plus maintenance, property tax, insurance, repairs, association charges, and a rate-rise buffer. Keep emergency savings after down payment and registration. A lender’s eligibility amount is not the same as a safe household budget.

Related FixWise guides

Official sources and verification

Use these links to confirm the rule, workflow, model instruction, or complaint route before acting. Provider terms, schemes, software screens, and model instructions can change.