Decades of studying macroeconomic policy tells me to be very wary of economists who say you can have it all if only you try something out of the box. Argentina, Brazil, and Venezuela tried unorthodox policies with depressingly orthodox consequences.
In the event of such a request being approved by the bank, the penalty interest related to the loans shall not apply during this period. During this period, no deterioration measure of the credit rating will be applied to the borrower. 7.