in-cyprus 2 April 2020 - Josephine Koumettou
FAQ
1. Where can I find the form?
The form can be found here:
http://mof.gov.cy/assets/modules/wnp/articles/202003/615/docs/ekdilosi_endiaferontos.docx
2. How do I submit the form? Can I send it by email or do I have to go in person?
You don’t have to go in person. Completed forms can be sent remotely by email, fax or post. Only in the event these cannot be sent remotely, delivery is also possible by hand at the bank branch.
A list of contact details for financial organisations to send the form can be found below.
3. Is the form the same for individuals and companies or are there two separate ones?
The document is the same for people and companies. A non-signed document is accepted by the financial institution.
4. If I only want to suspend payments for some of my loans, do I need to fill out two separate forms for those loans I want to continue paying?
By filling in the form, you declare your wish to suspend payments for all loans and interests for which you are the primary or joint owner. If you do NOT wish to suspend payments for some of your loans, you need to say so in the relevant section found on the form. If you wish to suspend all your loans, then that section needs to be left blank.
5. Will there be consequences if I suspend my loans? Will my loan become non-performing?
As per the decree, suspension of loans for nine months (until December 31, 2020), will not render any loans non-performing.
6. Does the form only cover loans or does it also suspend payments of interests, overdrafts and credit cards?
As per the decree, suspension of instalments and interests includes interests emerging from overdrafts as well as credit card instalments.
7. If I have a loan with one financial institution and there is a direct debit to pay instalments from a different institution, do I need to notify both regarding suspension of my loans?
Yes.
CONTACT DETAILS TO SEND THE FORM
The completed form can be sent by email, fax or post. The contact details of financial institutions can be found below.
FAQ
1. Where can I find the form?
The form can be found here:
http://mof.gov.cy/assets/modules/wnp/articles/202003/615/docs/ekdilosi_endiaferontos.docx
2. How do I submit the form? Can I send it by email or do I have to go in person?
You don’t have to go in person. Completed forms can be sent remotely by email, fax or post. Only in the event these cannot be sent remotely, delivery is also possible by hand at the bank branch.
A list of contact details for financial organisations to send the form can be found below.
3. Is the form the same for individuals and companies or are there two separate ones?
The document is the same for people and companies. A non-signed document is accepted by the financial institution.
4. If I only want to suspend payments for some of my loans, do I need to fill out two separate forms for those loans I want to continue paying?
By filling in the form, you declare your wish to suspend payments for all loans and interests for which you are the primary or joint owner. If you do NOT wish to suspend payments for some of your loans, you need to say so in the relevant section found on the form. If you wish to suspend all your loans, then that section needs to be left blank.
5. Will there be consequences if I suspend my loans? Will my loan become non-performing?
As per the decree, suspension of loans for nine months (until December 31, 2020), will not render any loans non-performing.
6. Does the form only cover loans or does it also suspend payments of interests, overdrafts and credit cards?
As per the decree, suspension of instalments and interests includes interests emerging from overdrafts as well as credit card instalments.
7. If I have a loan with one financial institution and there is a direct debit to pay instalments from a different institution, do I need to notify both regarding suspension of my loans?
Yes.
CONTACT DETAILS TO SEND THE FORM
The completed form can be sent by email, fax or post. The contact details of financial institutions can be found below.
| Banks | |||
| Fax | Postal address | ||
| National Bank of Greece (Cyprus) | 996@nbg.com.cy | 22840020 | 15 Arch. Makarios III Ave., 1065, Nicosia |
| National Bank of Greece S.A. | ACIoannou@nbg.com.cy | 22840029 | 15 Arch. Makarios III Ave., 1065, Nicosia |
| Hellenic Bank: Self-employed and small businesses – Nicosia | DCTNicosia@hellenicbank.com | 22210699 | Delivery by hand to any branch / Business unit (where application cannot be sent by fax or email) |
| Hellenic Bank: Self-employed and small businesses – Limassol | DCTLimassol@hellenicbank.com | 25502114 | |
| Hellenic Bank: Self-employed and small businesses – Larnaca | DCTLarnaca@hellenicbank.com | 24655984 | |
| Hellenic Bank: Self-employed and small businesses – Famagusta | DCTFamagusta@hellenicbank.com | 24655984 | |
| Hellenic Bank: Self-employed and small businesses – Paphos | DCTPaphos@hellenicbank.com | 26505092 | |
| Hellenic Bank: SMEs and large businesses | businessdivision@hellenicbank.com | 22210749 | |
| Hellenic Bank APS | cy-retailrecovery@aps-holding.com | 22311488 | |
| Hellenic Bank: International businesses – Nicosia | internationalbankingdivision@ hellenicbank.com | 22501995 | |
| Hellenic Bank: International businesses – Limassol | internationalbankingdivision@ hellenicbank.com | 25502480 | |
| Hellenic Bank: International businesses – Larnaca | internationalbankingdivision@ hellenicbank.com | 24659101 | |
| Cyprus Development Bank | middleoffice@cdb.com.cy | 22846600 | 50 Arch. Makarios III Ave., 1065 Nicosia or P.O. Box 21415, 1508 Nicosia |
| Housing Finance Corporation | idikianastoli@hfc.com.cy | 22503512 | P.O. Box 23898 1687 Nicosia |
| Bank of Cyprus | covid@bankofcyprus.com | 25150380 25150331 | 51 Stasinou Street, Strovolos 2002 Nicosia |
| Alpha Bank Cyprus | covid@alphabank.com.cy | 22880595 | P.O. Box 21661 1596 Nicosia |
| ANCORIA BANK Nicosia | covid19@ancoriabank.com | 22849110 | 12 Demostheni Severi Ave., 1080 Nicosia. |
| ANCORIA BANK Limassol | 25849310 | AncoriaBank Corner 151 Arch. Makarios III Ave. & Ayias Fylaxeos, 3021, Limassol | |
| ANCORIA BANK Larnaca | 24849710 | 189 – 191 Phaneromenis Ave., 6035, Larnaca. | |
| ASTROBANK | info@astrobank.com | Contact details of branches are on the website www.astrobank.com | |
| EUROBANK | Contact details of all branches are on the website www.eurobank.com.cy | ||
| RCB BANK | borrowers@rcbcy.com | 25342192 | Amathountos 2 P.O. Box 56868 3310 Limassol |
| SOCIETE GENERALE BANK | customer-info.cyprus@socgen.com | 22399700 22399839 | Digheni Akrita 88 1061 Nicosia |
| Loan purchasing companies | |||
| Fax | Postal address | ||
| Kedipes-Nicosia | nicosiacustomerservice@kedipes.com.cy | 22672774 | Gregori Afxendiou 7, 1096 Nicosia |
| Kedipes-Limassol | limassolcustomerservice@kedipes.com.cy | 25554851 | Patr. Ierosol. 16 4192 Ypsonas |
| Kedipes-Larnaca | larnacacustomerservice@kedipes.com.cy | — | Papanicoli Ave. 37 6053 Larnaca |
| Kedipes-Famagusta | ammochostoscustomerservice@kedipes.com.cy | 23740601 | Griva Digheni 4 5281 Paralimni |
| Kedipes-Paphos | pafoscustomerservice@kedipes.com.cy | 26932445 | Minoos 4 8041 Paphos |
| APS Ltd | cy-retailrecovery@aps-holding.com | 22210664 | Amphipolis 20 2nd floor 2025 Nicosia |
| B2KAPITAL | info@b2kapital.com.cy | 25256107 | P.O. Box 52704 4067 Limassol |
| CAC CORAL | 925@nbg.com.cy | 22 840026 | 46 Themistokli Dervi Ave. Medcon Building 2nd Fl. 1066 Nicosia |
| GORDIAN | Loanrestructuring@gordianholdings.com | 22812251 | P.O. Box 20832 1664 Nicosia |
| INSURANCE COMPANIES | |||
| Fax | Postal address | ||
| ANCORIA INSURANCE | info@ancoria.com | 22498592 | P.O. Box 23415 1683 Nicosia |
| ALTIUS INSURANCE | customer_service@altiusinsurance.com.cy | 22379206 | P.O. Box 26516 1640 Nicosia |
| ALLIANZ GLOBAL LIFE | cyprusbranch@allianz.gr | 22016020 | 40 Themistokli Dervi 1066 Nicosia |
| CNP CYPRIALIFE | cyprialife@cnpcyprus.com | 22363407 | P.O. Box 20819 1664 Nicosia |
| ETHNIKI ASFALISTIKI (CYPRUS) | info@ethnikiinsurance.com | 22841096 | P.O. Box 16272 2087 Strovolos |
| EUROLIFE | info@eurolife.bankofcyprus.com | 22341090 | P.O. Box 21655 1511 Nicosia |
| HELLENIC LIFE INSURANCE | Life@hellenicbank.com | 22450750 | P.O. Box 20672 1662 Nicosia |
| LIBERTY LIFE INSURANCE | info@libertylife.com.cy | 22869350 | P.O. Box 26070 1666 Nicosia |
| METLIFE EUROPE | contact@metlife.com | 22845606 | P.O. Box 21383 1507 Nicosia |
| MINERVA INSURANCE | info@minervacy.com | 22551717 | P.O. Box 23554 1684 Nicosia |
| PRIME INSURANCE | info@primeinsurance.eu | 22896001 | P.O. Box 22475 1522 Nicosia |
| UNIVERSAL LIFE INSURANCE | info@unilife.com.cy | 22882200 | P.O. Box 21270 1505 Nicosia |
| OTHER ORGANISATIONS | ||||
| Fax | Postal address | |||
| Cyprus Land Development Corporation | koag@cytanet.com.cy | 22513143 | 14 Athalassas Ave., 4th fl. 2011 Nicosia | |
