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two repayments

Q: How far behind is Masood with his loan repayments to Phil?

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two repayments

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Basically a moratorium on loan repayments is a loan repayment holiday. You are not required to make loan repayments or pay dues/fees for non-payment for a required period. Usually for financial hardship members/clients and needs to be organised and approved with your loan supplier.

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Not if you are able to meet the repayments on what you buy.

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interest rate and unable to pay repayments

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Depends on the agreement between you and the financial institution. Some allow you to reduce your monthly payments or take 'payment holidays' (sometimes with a fee involved); some don't.

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