A mortgage loan is a solution to the problem with housing. If you have used this loan, then, accordingly, the question arises of the repayment options. There are several options for this.
It is necessary
- - a mortgage loan from a bank;
- - basic data of the mortgage agreement;
- - money, in the amount of a monthly payment.
Instructions
Step 1
The most common option is to come to the creditor bank with the required amount on a monthly basis. To pay for the mortgage, you need to know: the number of the mortgage agreement and the date of its conclusion, have a passport with you, as well as the amount of the monthly payment. In this case, only the person for whom the mortgage agreement has been drawn up should come to the bank and pay. No additional payments and commissions, except for the amount of the monthly payment, will be taken from you.
Step 2
It is also possible to pay off the monthly debt at another bank close to you. To do this, you also need to know the details of the mortgage agreement, your credit account number, and the details of the creditor bank. For transferring money, you will be charged a commission at the rate established in this bank.
Step 3
If your mortgage bank has a large ATM network, then it makes sense to open a plastic credit card for yourself - this will save you from monthly visits to the bank and standing in lines at the cashier. You can entrust the payment of the loan with a plastic card to another person by telling him the pin code and the number of the credit account.
Step 4
You can also pay off the monthly payment using payment terminals. To do this, you need to create a "Personal Account". This can be done on the website on the Internet or on the payment terminal itself. Please note that the transfer of funds lasts from 3 to 5 days, therefore, when using terminals, make payments in advance, taking into account the service fee.
Step 5
Repayment of the loan is possible with the help of your salary with a plastic card, but only if your creditor bank serves the organization in which you work. In the ATM menu, you need to select the "Loan repayment" operation, the money from your salary account will be transferred to your credit account. The money transfer operation is carried out free of charge, no commission is charged.
Step 6
Another repayment option is Internet Banking. Usually, an account in the Internet bank is your personal account, and you can independently manage your funds by bank transfer, including repaying your mortgage. In your "Personal Account", select the operation to transfer funds, in the purpose of payment / transfer, write the number and date of the agreement, full initials, as well as the amount required for the transfer, indicate the details of the creditor bank and the number of your credit account. For the transfer of funds in this way, a commission established by the bank is charged.
