You have a financing arrangement with a bank, but foresee that in the near future you will get in repayment difficulties. What can you do?”]First of all, it is important to check whether you have agreed with your bank that you must meet certain ratios during the period to maturity. Is that the case and do you expect that, due to the coronavirus crisis, you will no longer be able to meet these ratios at some point? For the bank, this constitutes a ground for termination of your financing. It is wise to proactively inform your bank about this and make agreements. This could take the form, for instance, of a waiver letter. This is a statement on the basis of which the bank (temporarily) waives immediate demandability, while making new arrangements.
At the beginning of the crisis, banks stated that there were sufficient buffers in place to be able to take measures where necessary in connection with the coronavirus crisis. In this context, banks indicated that a deferral of payment was possible. In case you had a loan that did not exceed EUR 2.5 Million, banks readily provided for a deferral of payment ranging up to 6 months in case the business was fundamentally sound. As of this date, postponement of payment is not being granted as easily and is now only granted as a tailor made solution in case the complies with the bank’s requirements.
Werkgevers lopen ook tijdens of als gevolg van de Corona crisis een risico op een loonsanctie. UWV is zich er echter van bewust dat als gevolg van de Corona crisis bijzondere omstandigheden kunnen ontstaan die ertoe leiden dat werkgevers in het kader van de re-integratie van zieke werknemers tegen problemen aanlopen. De werkgever dient in het re-integratieverslag (RIV) te motiveren waarom en gedurende welke periode de re-integratie is gestagneerd. UWV zal beoordelen of er gezien de bijzondere omstandigheden in alle redelijkheid toch voldoende aan re-integratie is gedaan.