Financing costs/interest continue to be made during the ski period defined above. A mortgage agreement is not a long-term solution for defaulting borrowers. Rather, it is aimed at borrowers who have temporary financial problems caused by unforeseen problems such as temporary unemployment or health problems. Borrowers who have more fundamental financial problems, such as for example. B the choice of a variable rate mortgage where the interest rate has been reduced to a level that makes monthly payments prohibitive, must generally find other remedies. . . .