| Country | Residential | Consumer & Auto | CRE | SME |
| UK | Up to 3 months payment holiday (including BTL to protect landlords) (FCA)
No tenant evictions for 3 months (GOV) No new possession proceedings through court applications (GOV) Repossessions to be halted irrespective of stage |
FCA measures to freeze payments on credit cards, personal loans and overdrafts
Interest still accrues with the exception of overdrafts (FCA) Three-month freeze on payments related to motor finance credit facilities (FCA) |
No measures announced for landlords
3 month moratorium on rent payments for tenants Moratorium on evictions (The Times) |
No SME loan moratorium announced by government
3 month moratorium on rent payments for tenants Moratorium on evictions (The Times) |
| Ireland | 6 month payment holiday for homeowners (BPFI)
Deferral of legal proceedings and repossessions for 3 months (BPFI) Legislation proceeding to ban evictions and freeze rents (Irish Times) |
No specific measures announced | No specific measures announced for landlords or tenants | 6 month payment holiday for businesses (BPFI) |
| Germany | Some payment holidays at the state, not national, level
Some banks have implemented their own national policies (Commerzbank) No tenant evictions (BR) |
No specific measures announced | No specific measures announced for landlords or tenants | No specific measures announced |
| The Netherlands | 6 month payment holiday for businesses (Reuters)
No tenant evictions (NL Times) |
Similar proposals are being drawn up for consumer loans but have not yet been announced | No specific measures announced for landlords or tenants | 6 month payment holiday for businesses (Reuters) |
| Spain | Payment suspension available where the borrower is impacted by the virus (BOE) | No specific measures announced | No specific measures announced for landlords or tenants | Deferral of repayments for up to a year for government loans
No specific measures announced for bank-originated loans |
| Portugal | 6 month payment holiday for homeowners (DRE)
Moratorium on rent payments for tenants during Emergency Status period (DRE) |
12-month payment holiday on consumer loans (APB) | 6-month payment holiday (DRE)
Moratorium on rent payments for tenants during Emergency Status period (DRE) |
6-month payment holiday (with some exceptions) (DRE) |
| Italy | Payment suspension for no more than 18 months where the borrower experiences unemployment or health issues
Must be <90 DPD and originated more than a year ago (Sole 24 Ore) State guarantee scheme for moratoria under consideration (Reuters) |
Government evaluating forbearance options but no specific measures yet announced | Government evaluating forbearance options but no specific measures yet announced | Credit lines cannot be revoked until 30th September
Deferral of bullet payments to 30th September Loans due to mature pre-30th September can be restructured or payments suspend to 30th September (Sole 24 Ore) State guarantee scheme for moratoria under consideration (Reuters) |
| France | No moratoria announced | |||
| Greece | 3 month payment holiday for performing loans (Reuters)
40% discount on rental payments where employer suspends operations (EY) |
No specific measures announced | 40% discount on commercial lease payments (EY)
No specific measures announced for landlords |
6 month payment holiday for performing loans (Reuters) |
| Cyprus | 9 month payment holiday for performing loans (Philenews)
3 month suspension of foreclosures (Cyprus Mail) |
No specific measures announced | 3 month suspension of foreclosures (Cyprus Mail)
No specific measures announced for landlords |
9 month payment holiday for performing loans (Philenews) |
| Brazil | Terminating leases prohibited for 3 months
Legal process for unpaid debts suspended for 3 months (Ministry of Economy) |
No specific measures announced | Terminating leases prohibited for 3 months
Legal process for unpaid debts suspended for 3 months (Ministry of Economy) 3 month payment holiday available from state-owned institutions (UOL) |
3 month payment holiday available from state-owned institutions (UOL) |
| Mexico | 4 month payment holiday with possible 2 month extension for performing loans (CNBV) | |||
| Argentina | 6 month payment holiday
If due to expire in next 6 months, rental terms extended Suspension of possession proceedings for 6 months No tenant evictions for 6 months (La Nacion) |
2 month payment holiday
For credit card debt, 3-month payment holiday payable in 9 monthly instalments (BCRA) |
2 month payment holiday for landlords | 2 month payment holiday
Temporary adjustments to the process of classifying debtors as performing or non-performing (la Voz) |
| Chile | Optional forbearance measures announced but payment holiday varies by bank and product type (CPEMF) | |||
| Peru | Automatic 6 month payment holiday for performing loans originated by banks
6 month payment holiday available for loans originated by co-operative (SBS) |
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| Colombia | Optional forbearance measures announced but payment holiday varies by bank and product type (SFC) | |||
