Calculate the massive long-term cost of interest capitalization during a loan payment moratorium.
A loan moratorium is NOT a waiver; it is a payment holiday where interest continues to accrue and is added to your principal (capitalization). For a 20-year home loan, skipping just 3 EMIs early in the tenure can add 12-15 extra EMIs at the end, significantly increasing your total cost of debt.
Last verified May 2026
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