Some of the banks are offering repayment holidays for six months for Covid19 affected customers. But how do they work? Does it apply to both principal and interest payments? Does unpaid interest accrue? Are you having to pay interest on both the principal and the interest? Does the life of your loan get extended or do future payments increase, like if you take an IO term? Does this extend any IO or fixed period that you're on? Will it look unfavorable when applying for further loans down the road?