15. Will I be charged additional interest on the repayment amount that is deferred by 6 months during the period?
For conventional loans, interest will continue to be charged on the outstanding balance comprising of both principal and interest portion (i.e. compounded) during the moratorium period.
For Islamic financing, profit will continue to accrue on the outstanding principal amount. Such profit however will not be compounded in line with shariah principles. Banks are however not allowed to impose late penalty charges on the deferred amount.
In other words, the loan/financing repayment is just deferred by 6 months.