{"id":409,"date":"2023-03-14T06:10:11","date_gmt":"2023-03-14T06:10:11","guid":{"rendered":"https:\/\/www.eduloans.org\/blogs\/?p=409"},"modified":"2024-08-11T13:41:12","modified_gmt":"2024-08-11T13:41:12","slug":"what-is-the-moratorium-period-and-which-lenders-provide-the-moratorium-period","status":"publish","type":"post","link":"https:\/\/www.eduloans.org\/blogs\/what-is-the-moratorium-period-and-which-lenders-provide-the-moratorium-period\/","title":{"rendered":"What is the Moratorium period, and which Lenders Provide the Moratorium Period?"},"content":{"rendered":"<h1><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-410 size-full\" src=\"https:\/\/www.eduloans.org\/blogs\/wp-content\/uploads\/2023\/03\/What-is-the-Moratorium-period-and-which-Lenders-Provide-the-Moratorium-Period.jpg\" alt=\"What is the Moratorium period, and which Lenders Provide the Moratorium Period?\" width=\"1024\" height=\"682\" srcset=\"https:\/\/www.eduloans.org\/blogs\/wp-content\/uploads\/2023\/03\/What-is-the-Moratorium-period-and-which-Lenders-Provide-the-Moratorium-Period.jpg 1024w, https:\/\/www.eduloans.org\/blogs\/wp-content\/uploads\/2023\/03\/What-is-the-Moratorium-period-and-which-Lenders-Provide-the-Moratorium-Period-300x200.jpg 300w, https:\/\/www.eduloans.org\/blogs\/wp-content\/uploads\/2023\/03\/What-is-the-Moratorium-period-and-which-Lenders-Provide-the-Moratorium-Period-768x512.jpg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/h1>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_58 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-6a0c4a7d64f06\" ><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input aria-label=\"Toggle\" aria-label=\"item-6a0c4a7d64f06\"  type=\"checkbox\" id=\"item-6a0c4a7d64f06\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.eduloans.org\/blogs\/what-is-the-moratorium-period-and-which-lenders-provide-the-moratorium-period\/#What_is_the_Moratorium_period_and_which_Lenders_Provide_the_Moratorium_Period\" title=\"What is the Moratorium period, and which Lenders Provide the Moratorium Period?\">What is the Moratorium period, and which Lenders Provide the Moratorium Period?<\/a><ul class='ez-toc-list-level-2'><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.eduloans.org\/blogs\/what-is-the-moratorium-period-and-which-lenders-provide-the-moratorium-period\/#What_is_the_Moratorium_Period\" title=\"What is the Moratorium Period?\">What is the Moratorium Period?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.eduloans.org\/blogs\/what-is-the-moratorium-period-and-which-lenders-provide-the-moratorium-period\/#Positives_of_a_Moratorium_Period\" title=\"Positives of a Moratorium Period\">Positives of a Moratorium Period<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.eduloans.org\/blogs\/what-is-the-moratorium-period-and-which-lenders-provide-the-moratorium-period\/#Lenders_Providing_the_Moratorium_Period\" title=\"Lenders Providing the Moratorium Period\">Lenders Providing the Moratorium Period<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h1><span class=\"ez-toc-section\" id=\"What_is_the_Moratorium_period_and_which_Lenders_Provide_the_Moratorium_Period\"><\/span>What is the Moratorium period, and which Lenders Provide the Moratorium Period?<span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p>With college costs skyrocketing, parents and learners have no choice but to take out an<br \/>education loan to pay for their studies. However, the tuition price may soar far more for students who want to attend prestigious colleges for a top-notch education. These\u00a0factors make banks a common source of financial aid for families and students. Banks\u00a0typically provide students a grace period during which they are not required to pay back\u00a0the finance lender since the student must reimburse the loan. In the sphere of\u00a0education loans, this is recognized as the moratorium period.<\/p>\n<p>This post will go over every edge of the moratorium period for <a href=\"https:\/\/www.eduloans.org\/\">student education loans<\/a> and how\u00a0they can finance a bright future!<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_the_Moratorium_Period\"><\/span>What is the Moratorium Period?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The time when the borrower is exempt from loan repayment is known as a moratorium\u00a0period in the context of education loans. Normally, loan repayment or EMI payments\u00a0begin soon after the borrower accepts it; however, during the student loan moratorium\u00a0period, lenders permit borrowers to begin loan payments once they complete their\u00a0degree and earn money. The moratorium period, which is often the length of the course\u00a0plus six months or a year, allows the lender to give the student enough time to organize\u00a0their resources and make necessary preparations for loan repayment.<\/p>\n<p>For the duration of the loan moratorium, banks often charge interest, which is later\u00a0added to the principle. A lender determines loan interest using a simple basis because\u00a0interest typically accrues over the moratorium period. Therefore, students who want to\u00a0begin making EMI payments (equated monthly installments) can do so during the\u00a0moratorium period because doing so will ultimately help them reduce their interest payments.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Positives_of_a_Moratorium_Period\"><\/span>Positives of a Moratorium Period<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The following are some of the biggest benefits to which a borrower is entitled if they\u00a0choose to comply with the loan moratorium\u2014<\/p>\n<p>\u25cf <strong>EMI Payment Relaxation<\/strong><br \/>As the moratorium period typically lasts for your course term plus six months or\u00a0can last up to 1 year, students are given a break from monthly EMI payments. Therefore, during this time, students are excused from their financial obligations\u00a0for a year and are not needed to pay EMIs.<\/p>\n<p>\u25cf <strong>No Impact on Credit Rating<\/strong><br \/>The student&amp;#39;s credit score won&amp;#39;t be impacted in any way. Students can raise their\u00a0 CIBIL score and credit history by making timely loan payments.<\/p>\n<p>\u25cf <strong>No Fines for Non-payment<br \/><\/strong>The bank does not charge any fines for non-payment during the moratorium\u00a0period. Students\u00a0 may extend their loan moratorium term by up to 12 months if they cannot obtain employment after their course time.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Lenders_Providing_the_Moratorium_Period\"><\/span>Lenders Providing the Moratorium Period<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Reserve Bank of India (RBI) decreed that education loans would be given to\u00a0students from all socioeconomic groups. The RBI designed a modal educational loan\u00a0scheme while considering the financial constraints that eligible students desiring to\u00a0pursue studies overseas face.<\/p>\n<p>Under this plan, the students would receive a moratorium before their payback begins.\u00a0A payment-free moratorium period is provided to the students by all public banks and\u00a0some commercial institutions. Certain RBI-approved lenders grant a moratorium\u00a0period to eligible students and give them a convenient time frame to repay.\u00a0Commercial lenders (private banks and NBFCs) provide a grace period for repaying\u00a0student loans like government banks. However, unlike government banks, this is not a\u00a0debt-free period. Throughout the moratorium period, these lenders allow partial\u00a0interest payments.<\/p>\n<p>This is known as partial payment when students are permitted to pay the interest\u00a0accrued during the moratorium period in proportion. This means that, depending on\u00a0their regulations, private banks and NBFCs will only accept between Rs. 4000 and Rs.\u00a05000 if you cannot pay the Rs.10,000 per month in EMI payments during your loan\u00a0moratorium.\u00a0Authorized Private banks and financial institutions may even demand full payment on the given interest rate during the moratorium period, depending on the student profile. This provision is subject to their regulations regarding the repayment of student loans set by RBI.<\/p>\n<p><strong>Final Thoughts<\/strong><br \/>At <a href=\"https:\/\/www.eduloans.org\/\">Eduloans<\/a>, we support you in making the proper decision and easily orchestrating the\u00a0funding! From planning to resource mobilization, our platform helps you fund your <a href=\"https:\/\/www.eduloans.org\/\">overseas education loan<\/a> plan optimally and get into the university of your dreams!<\/p>\n<p><a href=\"https:\/\/www.eduloans.org\/user\/register\">Register<\/a> with us today and connect the potential investors, lenders, and financers in no time!<\/p>\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-50\"><a class=\"wp-block-button__link has-background has-text-align-center wp-element-button\" href=\"https:\/\/www.eduloans.org\/user\/register\" style=\"background-color:#ff9900\" target=\"_blank\" rel=\"noreferrer noopener\">Contact Us<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>What is the Moratorium period, and which Lenders Provide the Moratorium Period? With college costs skyrocketing, parents and learners have&hellip; <\/p>\n","protected":false},"author":3,"featured_media":410,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[78],"tags":[75,22,28],"class_list":["post-409","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-moratorium-period","tag-moratorium-period","tag-overseas-education-loan","tag-study-abroad-education-loans"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.2 (Yoast SEO v23.2) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is the Moratorium period, and which Lenders Provide the Moratorium Period? - Education Loans Blog - Empowering Dreams<\/title>\n<meta name=\"description\" content=\"Description Here...!!!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.eduloans.org\/blogs\/what-is-the-moratorium-period-and-which-lenders-provide-the-moratorium-period\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is the Moratorium period, and which Lenders Provide the Moratorium Period?\" \/>\n<meta property=\"og:description\" content=\"Description Here...!!!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.eduloans.org\/blogs\/what-is-the-moratorium-period-and-which-lenders-provide-the-moratorium-period\/\" \/>\n<meta property=\"og:site_name\" content=\"Education Loans Blog - 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