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民政党总财政方志伟建议，既然政府在抗疫期间，允许55岁以下的雇员公积金会员从第2户头每月提取最高500令吉，也允许高等教育贷学金贷款偿还期延长6个月，不如同时在所有金融机构落实“全面暂停偿还贷款(Blanket Moratorium)”机制，包括让人民暂停偿还信用卡债、房贷、车贷等等一切贷款。

“全面暂停偿还贷款，并非表示不必还债，而是延迟还债。也就是说，一切分期付款的借贷，包括车贷、房贷和个人贷款等等，都可以延迟偿付。”

方志伟也是槟州民政党联委会秘书，他周二发文告时建议政府，允许人民暂停偿还各类贷款长达6个月。

他说，这对以日薪计算或手停口停的散工、兼职者、小贩小商等等，帮助十分大。

“此外，对于被逼暂时关闭店面或办公室的企业，政府也可批准它们暂停偿付公司贷款。”他说：“因为这些企业即使没有操作，也必须支付薪金给员工，负担十分沉重。”

他指出，金融机构不会因而面临亏损。因为它们只是比较慢收到款项而已，并非收不到款项。

“我相信这个措施，可在抗疫期间帮助失去收入的人民，协助他们渡过难关。”

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