The deadline for the 72 installments in the Funds has been extended

By Dimitris Katsaganis

An extension of at least one month is considered for the deadline for submitting an application for settlement of pandemic insurance debts.

This is reported by competent executives of the funds in Capital.gr, clarifying that it is now very likely that the deadline for the 72 installments will be 28 February 2022 instead of 31 January 2022.

It is recalled that based on the existing framework, the deadline of January 31, 2022 already concerns the applications for insurance debts of the affected companies (employers and freelancers) from March 2020 to July 2021.

Thus, any affected entrepreneur who wishes can repay his debts either in up to 36 interest-free installments or in 37-72 interest-bearing installments.

According to secure information of Capital.gr, although the electronic services of e-EFKA for the unpaid debtors (professionals, self-employed, blocks) have been open for almost a month, relatively few debtors have joined the regulation ( around 15,000 applications around December 20, 2021).

The low response is due not only to the fact that most debtors rush to settle their debts at the “last minute”, but also to the fact that the March-June 2020 debts became overdue from today (January 1, 2022), while the online services for employers debtors.

These are the main reasons, in combination with the fact that support measures are reinstated for some affected companies (eg part of the catering companies) while their expansion to other sectors is not ruled out, but also their extension for the already included in the new affected sectors. leading the funds to the scenario of extending the application deadline for the 72 installments by at least one month.

It is reminded that the terms of this regulation are as follows:

Regulation of insurance contributions

Employers, self-employed and self-employed professionals were given the opportunity to be subject to a partial payment arrangement of their insurance contributions for specific periods of time for which an extension of the payment deadline or suspension of collection had been granted.

With previous circulars you were informed about the Decisions of the Ministers of Finance and Labor and Social Affairs and the Minister of Labor and Social Affairs which extended the deadline for the payment of insurance contributions for specific periods of time until December 31, 2021 under the measures consequences of coronavirus and COVID-19 disease.

The debts of the above-mentioned time periods, after the expiration of the payment deadline, may be subject to a partial payment arrangement up to seventy-72 monthly installments, as follows:

The principal debt is capitalized on the date of inclusion in the regulation and from the following month of that of the regulation the regulation is charged with an interest rate of 2.5% per annum calculated. From the date of affiliation there is no further charge for additional fees, surcharges and interest due to late payment.

Exceptionally, if the above debts are subject to an adjustment scheme of up to 36 monthly installments in accordance with the notified provisions, they will not be charged with the aforementioned interest rate.

The amount of the monthly installment for the regulated insurance debts cannot be less than 50 €.

Scope of the regulation

The provisions of this regulation include upon request by the debtor:

Debts from insurance contributions of employers, self-employed and self-employed, whose payment deadline was initially extended until April 30, 2021 and is extended again until December 31, 2021 (suspension of collection).

– Overdue debts of affected employers, self-employed and self-employed from insurance contributions for periods of employment from February 2020 to June 2021, which are not regulated, as well as any installments from additional liquidation of insurance contributions of previous years, for which a grant was granted.

Exceptionally, the provisions of this arrangement may include, after the choice of the debtor, those of the above debts that have been subject to a permanent debt settlement regime from 27/10/2020 to 12/11/2021. This amendment concerns employers, self-employed and self-employed, to whom the measure of temporary prohibition of operation was imposed at any time in the period from 27/10/2020 to 31/07/2021.

Application submission

The application for inclusion in the regulation is submitted until January 31, 2022 to the Electronic Services K.E.A.O .. For the debts that are in suspension of collection until 31.12.2021 condition for the regulation is to become overdue and to be forwarded to K .Ε.Α.Ο.

Already certified users or those who register (certify) as users in the Electronic Services to Debtors are provided the opportunity to settle their debts via the Internet. For cases that may be excluded from the certification in the Electronic Services K.E.A.O. the application will be submitted to the competent services of K.E.A.O. and through an electronic citizen service application on the website of e-Ε.Φ.Κ.Α ..

Affected employers, self-employed and self-employed professionals who have been subject to a permanent debt settlement regime from 27/10/2020 to 12/11/2021, submit an exceptional request to the competent services of K.E.A.O. and through an electronic citizen service application on the e-Ε.Φ.Κ.Α website. in order for the relevant debts to be subject to the settlement of those affected by the pandemic.

Competent bodies for the issuance of a regulation decision are the heads of the Regional services of K.E.A.O.

The debtor is obliged to pay the amount of the first installment by the last working day of the month of the application in order for its regulation to become effective. The next installments of the arrangement are paid until the last working day of each month following the month of joining the arrangement.

At any stage of the settlement the debtor can repay the remaining installments of the settled debts in a lump sum, without the interest rate charge.

Loss of adjustment

The arrangement is dismissed in case no installment amount corresponding to 2 installments of the arrangement is paid.

It is noted that this arrangement is monitored independently, without being affected by the existence of current debts or the observance of other parallel arrangements of the same debtor. For this reason a special payment code was created, which is used exclusively to serve this arrangement. Loss of adjustment results in:

-the loss of the benefits of regulation.

– the conversion as required of the total balance of the debt and previous interest, additional fees and surcharges.

-the pursuit of debt collection with all the means provided by applicable law.

Benefits of regulation

For debtors who are subject to regulation in accordance with this law and comply with the terms of the regulation:

-The criminal prosecution against the debtor is suspended according to the provisions of article 1 of a.n. 86/1967 and the statute of limitations for the criminal offense is suspended in derogation of the time constraints of article 113 of the Penal Code.

– The execution of the imposed sentence is postponed or, if its execution has started, it is interrupted.

Compulsory collection measures are suspended.

– The continuation of the enforcement procedure on the real estate and movable property of the debtor is suspended. For seizures in the hands of third parties imposed up to the date of entry into the arrangement, the measure of seizure is lifted by the debtor being placed in the arrangement, upon request, and reimbursed amounts from seizures in the hands of third parties before the entry into this arrangement are taken into account. to cover current installments of the arrangement.

– The prescription of the debts, for which an application for inclusion in the regulation is submitted, is suspended and is not completed before 1 year has passed from the end of the regulation.

During the settlement and under the condition of observance of the terms of the specific settlement, a proof of insurance awareness of two months may be issued to the debtor.

Businesses are issued a certificate of insurance awareness for the collection of public works accounts.

Prerequisite is the non-existence of current or overdue debts for the specific project.

In case of debt, a certificate of insurance awareness is issued with a deduction of an amount equal to the amount of the debt.

Generate a payment code to pay the installments of the arrangement

For the payment of the installments and in order for the specific arrangement to be served independently, a separate payment code was created called “Payment Code” and it is connected exclusively with the specific arrangement. Therefore, the installments of the regulation of law 4821/2021 will not be paid using the Debtor ID.

The “Payment Code” appears in the printing of the debt settlement application and in the application “Electronic debtor card” and then “Debtor Payments” of the menu of the Electronic Services K.E.A.O.