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Safe Pay is a value-added service offered to Home Credit consumer durable and personal loan customers. It is a package that offers Payment Holiday, Free Early Repayment and Life Cover.Payment Holiday: Payment Holiday allows customers to postpone their EMIs by one month. It can be availed after paying the first two EMIs before the due date. You can avail a maximum of two Payment Holiday Services during the entire loan term. You are required to pay at least one EMI between two Payment Holiday Services.