You can apply for your loan to be interest-free if you were intending to travel for less than 6 months but an unexpected delay, outside of your control, meant you weren't able to return to New Zealand.
Some examples of these delays are:
- airline strikes
- personal illness
- death or illness of a family member
- fire, flood, storm, earthquake, landslide or volcanic eruption
- an explosion or nuclear, biological, or chemical contamination
- sabotage, terrorism or an act of war.
To apply you'll need to:
- have been a New Zealand tax resident while you were overseas
- be able to show that you were intending to stay less than six months
- show evidence of the unexpected delay
- show evidence that because of the unexpected delay you weren't able to return to New Zealand as intended.
You'll also need to provide some proof, for example:
- an airline ticket showing the change in departure/arrival date
- a medical certificate or a letter from a doctor
- a death certificate
- airline strike documentation
- media coverage in cases of war.