{"id":1921,"date":"2026-04-18T12:27:09","date_gmt":"2026-04-18T09:27:09","guid":{"rendered":"https:\/\/svaroglaw.com\/zachem-nugna-restruct\/"},"modified":"2026-06-01T13:35:15","modified_gmt":"2026-06-01T10:35:15","slug":"zachem-nugna-restruct","status":"publish","type":"post","link":"https:\/\/svaroglaw.com\/en\/zachem-nugna-restruct\/","title":{"rendered":"Why is loan restructuring necessary?"},"content":{"rendered":"<p><!--more-->Loan restructuring involves revising an existing loan agreement between a bank and a customer.<\/p>\n<p>The outcome of this revision is the inclusion of new, tailored terms. As a result, the repayment schedule, the loan term or the currency may change, and a payment holiday may be granted. These actions are seen as a sign of the lender\u2019s goodwill towards the borrower if the latter is experiencing temporary difficulties with regular repayments. It should be noted that any changes to loan repayments must be agreed upon by both parties. If the borrower decides independently not to meet their financial obligations, this is considered a breach of contract.<\/p>\n<p>Key aspects of loan restructuring<\/p>\n<p>Not every Ukrainian citizen is eligible to apply for loan restructuring. For the bank to make concessions, the customer must prove their current inability to pay. The following borrowers may be eligible for a debt review:<\/p>\n<ul>\n<li>those recently made redundant, i.e. who have lost their income;<\/li>\n<li>those facing problems at work, resulting in a significant reduction in income (applies to employees and entrepreneurs);<\/li>\n<li>those repaying a loan during an economically difficult period for the country, when the national currency is depreciating.<\/li>\n<\/ul>\n<p>In light of recent events in our country, where many citizens have been made redundant or placed on unpaid leave, and entrepreneurs\u2019 incomes have fallen, the issue of meeting financial obligations to the bank remains unresolved. This applies particularly to foreign currency and mortgage loans, where the monthly repayment amount becomes unaffordable. In such cases, the ideal solution is to renegotiate the contract or restructure the loan.<\/p>\n<p>Most often, after the terms are amended, the loan is extended over a longer period by reducing the monthly repayment. However, there are situations, for example, in the event of a serious illness of the borrower or a close relative, where the bank may reduce the debt by writing off accrued interest.<\/p>\n<p>In any case, restructuring offers the chance to avoid damaging your credit history, prevent late payments and meet your loan obligations.<\/p>\n<p>If you have approached your bank to renegotiate your loan agreement but have been refused or offered unfavourable terms for a new loan, please contact Svarog. We will help you gather the necessary documents and act as an intermediary between you and the lender!<\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":1922,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17],"tags":[],"class_list":["post-1921","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-17"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Why is loan restructuring necessary?<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/svaroglaw.com\/en\/zachem-nugna-restruct\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" 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