Nyenzo za misaada ya kifedha kwa wenyeji huko Amerika Kusini

Many countries in Latin America have started to pass regulations and discuss economic relief options to help individuals and small businesses recover from the economic impact of COVID-19.

The country you’re in may not be represented here yet, but we’ll continue to update this page as new information becomes available. Below you’ll find some of the resources that have been announced so far. 

As a platform, Airbnb doesn’t provide legal advice, but we want to give you some useful information and links that may help you better understand relief opportunities. If you have more questions, please contact these government agencies directly or consult a financial advisor, tax professional, and/or lawyer.

• Deferring mortgage loans and foreclosures
• Deferring price increases, term extensions, and evictions for residential leases until September 2020
• Deferring shutoffs for utilities like electricity, gas, and water for 180 days (up to 3 expired invoices)
• Suspension of bank account closures and associated fines
• Deferring social security payments and other benefits
• Economic relief measures for affected workers and employers

• Postponing loan payments for at least 2 months and reducing interest rates of loans for businesses and individuals
• Pause in housing financing for 90 days for customers in default or with up to 2 installments of outstanding debts
• Authorization for withdrawals of up to 1.045 Brazilian Real (BRL) from active and inactive Guarantee Fund for Length of Service (FGTS) accounts
• Suspension of IOF taxes for loans
• New deadline to submit the Declaration of Brazilian Capital Abroad (DCBE) and a new deadline to submit individual income tax return
• Emergency aid from 600 to 1200 BRL for informal workers, microentrepreneurs, self-employed individuals, and unemployed individuals

• Credit lines and loans for individuals and businesses
• Local governments can now reduce local taxes and fees and change filing deadlines
• Deadline to renew the National Tourism Registry is extended to 3 July 2020
• Deadline to pay the tax on promotion of tourism is extended to 29 July 2020

The government has recently put measures in place to help those affected by the COVID-19 pandemic, including:

• Ensuring access to essential utility services like water
• Deferring payments on mortgages, certains loans, and credit card payments
  • Please note that applications and policies vary based on each individual financial institution. If you’re eligible, contact your financial institution directly for more information.
• Deferring tax payments on value-added tax (VAT), excise, and commercial insurance from National Insurance Institute (INS)
  • Please note that these deferrals are automatic, and no application is required.
• Offering a temporary relief subsidy of 125000 Costa Rican Colónes (CRC) to independent contractors. Apply here.

• A three-month extension of income tax declaration for small and medium-sized enterprises (SMEs). Qualified SMEs will also get help securing working capital and/or refinancing debts.
• Granting flexibility to enterprises and households in the repayment of tax liabilities and a postponement of household payments of electricity and water
• Monetary subsidy for eligible households with independent workers
• One-time withdrawal of up to 2000 Peruvian Nuevo Sol (PEN) for members of the private pension system

• Expansion and extension of unemployment insurance
• Deferring payment of minimum value-added tax (VAT) for small and medium-sized enterprises (SMEs)
• Postponing maturity of credits in all banks for 180 days

Information contained in this article may have changed since publication.