Q&As Moratorium and guarantee scheme

In February 2021, it was decided to authorise the second Charter for business credit deferral for due dates up until 30 June 2021, and also to grant additional credit deferral to sound enterprises/organisations that already benefited from a maximum credit deferral of 9 months under the first and/or second Charter for business credit deferral.

By Royal Decree of 14 June 2021, the second guarantee scheme was also extended until 31 December 2021. In addition, the Act of 27 June 2021 containing various financial provisions made a limited number of amendments to the Act of 20 July 2020 relating to the second guarantee scheme (in particular, the deadline for calling on the state guarantee).

The Q&A below has been updated to incorporate these new terms and conditions.


These Q&As were drawn up to the best of our ability on the basis of current knowledge and information. It is only the final legal texts that will be binding. The final texts may deviate from these Q&As.

PDF version Q&As – 9 July 2021 (changes compared to version 19 February 2021 in yellow)

PDF version Q&As – 19 February 2021 (changes compared to version 4 January 2021 in yellow)

The federal government, the National Bank of Belgium and the Belgian financial sector have agreed on the provision of temporary support for businesses, self-employed persons and households. Individuals experiencing payment problems as a result of the coronavirus crisis may delay their mortgage loan payments. Sound businesses and self-employed persons can also request postponement of their loan repayments. In their case, two guarantee schemes will also be implemented for new loans and credit lines.

In addition to these Q&As, reference is made to the charters (in French and in Dutch), as well as to the related Q&As in which banks have set out their commitments concerning the arrangements for postponing payments on mortgage loans and business loans respectively.