Statutory credit holidays and the Borrowers' Support Fund

A government lifeline for debtors in times of drastic interest rate hikes. It allows for the free suspension of several loan installments a year. Although it is a relief for the budget, it does not cure the root cause of expensive loans. If you are just planning to buy, remember that the best protection against insolvency is entering the investment with an adequate cash buffer - you will gain it by buying an apartment directly from the owner and not paying tens of thousands in tribute to a broker.