In addition to the provisions of the Authority for electricity, gas and the water system concerning payment by instalments of bills and the application of interest on arrears, HERA offers to all households facing financial hardship (that are not behind with any payments, including instalments previously granted) the possibility to pay their bills in three instalments, with the application of an interest rate equal to the TUR (the official reference rate at which the European Central Bank grants loans to other banks and equal to by 3.5%.