A mortgage loan is a loan from a bank that is issued to the recipient secured by real estate for a specified amount of time. You can repay a cash loan using various methods, and the loan can also be paid to the bank ahead of schedule.
It is necessary
payment schedule
Instructions
Step 1
First, pay attention to the conditions under which the bank entered into a mortgage lending agreement. What percentages are spelled out in the payment schedule, what is the monthly payment amount, on the basis of which method the payments were calculated. For example, with a differentiated method of payment, it is necessary to make different amounts on a monthly basis, and with an authentic one - in the same amount.
Step 2
After you have in your hands the document on the provision of the mortgage, you must decide how you will deposit funds into the bank account. For example, you can transfer part of your salary. Notify the accounting department that you must pay the bank a certain amount, provide the necessary details, a copy of the contract and passport data, if the accountant does not have such. Thus, on the day the wages are issued, the mortgage payments will be paid off automatically.
Step 3
If you do not consider it necessary to report the mortgage at work, you can make payments yourself, for example, through a bank credit card or directly to the bank's cash desk. In this case, keep all receipts for payment for the current billing period so that in the future there will be no disputes about payments.
Step 4
There is another way to repay a mortgage loan - with the help of maternity capital funds. To exercise this right, you need to contact the branch of the Pension Fund of the Russian Federation at the place of residence and write a statement addressed to the manager with a request to transfer funds to the recipient's account, which in this case is the bank. As a rule, this money goes to pay interest and is transferred to the bank account within two months from the date of application.
Step 5
You have the right to repay the mortgage loan ahead of schedule, simply by depositing the remaining amount into the bank account. Please note that this is not possible with an authentic billing system.
Step 6
Be sure to pay the amount on a monthly basis, otherwise interest will be charged for each day that is overdue. After six months of non-payment, the bank has the right to sue you. This is fraught with the loss of real estate and the payment of late fees.
