The platform for the regulation of the new debts (that is, those created from 1-11-2021 until 1-2-2023) with 36 or 72 monthly installments.

Those who created overdue debts in the period from November 1, 2021 to February 1, 2023 and have already included them in the fixed arrangement of 24 or 48 installments, have the possibility to transfer them to the new arrangement of 72 installments.

Also, debtors who on November 1, 2021 have settled debts in the fixed arrangement of 24 or 48 installments which they lost and their debts were confirmed after November 1, 2021, these new debts can be included in the 36 or 72 installments.

What will the interest rate be?

For the 36 installments the interest rate will be 4.37%, while for the 72 installments 5.87%, for those who are consistent in their obligations or had settled debts on November 1, 2021 and continued to service them.

What is the minimum amount of the dose?

The minimum amount of the monthly installment will amount to 30 euros and with the inclusion of sofiles in the new regulation of 36 or 72 installments, the benefits that the regulation of 120 installments had, such as the release of bank accounts, will apply.

Indicative examples

If someone had overdue debts from November 2021 onwards that were part of the fixed 24 or 48 installment arrangement, they can be part of the 72 installment arrangement.

– Adjusted debt on November 1, 2021 based on the fixed arrangement of 24 installments, which was lost in March 2022 and at the same time new debts were confirmed in April 2022. The new debts are included in the new arrangement of 72 installments, while the debts of the fixed arrangement that was lost are reintegrated into a new fixed 24-dose regimen.

– Someone who acquired overdue debts in the period from November 2021 to February 2023, can be included in the settlement of the 72 installments and this because on November 1, 2021 he had no overdue or unsettled debts.

– In the event that a taxpayer created overdue debts from November 2021 onwards, which he included in the fixed arrangement of 24 or 48 installments, he can now include them in the arrangement of 72 installments.

– If someone on November 1, 2021 had debts that were included in the fixed arrangement of 24 installments and then the arrangement was lost in March 2022 and then new debts were confirmed in April 2022, they can now include them in the new arrangement of 72 installments . The debtor in question has the obligation to include the debts of the fixed arrangement of 24 installments that was lost in a new fixed arrangement of 24 installments, within one month from the moment of inclusion in the new arrangement of 72 installments.