1. Contact the bank If you have become unemployed, contact us. You can seek an instalment-free period for your housing loan or other loans, allowing you to use the money otherwise spent on principal repayment. This way you will only have to deal with the interest of the loan and, for example, the maintenance fee for your home.Even though you may have money put aside, we recommend that you utilise the instalment-free period before spending the savings that you have accumulated with your hard work. The savings may still grow, which means that they should remain untouched as long as possible.In addition, you may be entitled to an earnings-related daily allowance, which, together with the instalment-free period, guarantees a reasonable income level. In case of extended unemployment and the end of earnings-related daily allowance, you can then start using the savings you have accumulated to maintain your income level.