Is the moratorium calculator applicable to all types of personal loans?

"No, the moratorium calculator is not applicable to all types of personal loans. The availability of a moratorium period and its calculation method can vary depending on the specific loan product and the lender's policies.
Here are some common loan types where a moratorium period might be available:

• Home Loans: Many home loan providers offer moratorium periods, often during the construction phase of a property.
• Education Loans: Some education loan lenders may provide moratorium periods while the borrower is pursuing their studies.
• Vehicle Loans: In certain cases, vehicle loan lenders may offer a moratorium period during the initial months of the loan.

However, personal loans for general purposes (e.g., wedding expenses, medical emergencies) may not always have a built-in moratorium period. It's essential to check with the lender directly to determine if a moratorium is available for the specific loan you are considering.
Additionally, the calculation of the moratorium period can vary depending on the lender's policies and the type of loan. Some lenders may offer a fixed moratorium period, while others may allow for a flexible duration."