Having taken a loan from Sberbank and deciding to repay it soon, contact the organization and specify the conditions for early repayment of the loan. Depending on the conditions for receiving funds, the bank will provide information on the procedure for your actions to repay the debt.
Instructions
Step 1
Look at the conditions under which you took out a loan or mortgage. If under the agreement you must pay by an annuity repayment method (when the amount of monthly payments is fixed and calculated in advance), credit the required amount to the bank account. This can be done by bank transfer, cash payment, etc.
Step 2
Contact the bank branch, write an application for early repayment of a loan or mortgage. Study the provisions of the Civil Code of the Russian Federation, which states that you are obliged to inform the bank about your desire to repay the loan early 30 days before making the last payment. Set a date for the balance and pay on time.
Step 3
Ask the bank to recalculate the payment schedule. But if you decide to pay off the entire amount of the debt at once, they will simply close it for you.
Step 4
Check the terms of the contract and the payment schedule. With a differentiated payment method (the amount to be paid depends on the amount of your debt), you must top up the account from which you usually made monthly installments with an amount equal to the balance of the debt.
Step 5
Find out how much you owe the bank. This can be done by visiting a bank branch in person, or using the official website of Sberbank on the Internet (using the service - Sberbank Online).
Step 6
Talk to a bank specialist who advises on drafting agreements for a loan or mortgage. As a rule, during the first month you will not be able to repay the entire amount in full (with the exception of an overdraft on the card). Depending on the purpose of the loan, the term can vary from 1 month to 3 years. However, you can give money to the bank in parts at any time that coincides with the date of the next monthly payment.
Step 7
You can deposit any amount you have on hand. The law does not establish minimum and maximum. If you cannot pay everything at once - do it in installments, then you will be recalculated, which is very convenient, since the amount of monthly payments in this case will significantly decrease.
