When applying to a bank for a loan, we are usually interested in the value of the interest rate, the loan term and the size of the monthly payment. But about how the repayment takes place, we find out only when receiving money or even at the moment when the turn has come to make the first payment. Technically, paying the bank is quite simple - you need to ensure that funds are available in the loan account on the day the loan is repaid. However, this can be done in several ways.
Instructions
Step 1
You can pay the bank by depositing funds at its cashier. This payment method is the fastest, since money appears on the account instantly, and you do not need to pay commissions for their transfer. In addition, this method minimizes the risk of an operational employee's error. Its disadvantages include the coincidence of the bank's operating hours with the operating hours of most enterprises and organizations, as well as the presence of queues on the days of loan repayment. It's good if the bank where you took out a loan has an automated settlement system. This will allow you to pay at any convenient time and avoid queues. Some banks have an Internet payment system that allows you to repay a loan without leaving your home.
Step 2
Another way to repay a bank loan is through a post office. But keep in mind that in this case, the transfer will take some time, so take care of transferring funds in advance. In addition, this service is paid, be prepared for the fact that you will be charged a commission of 1-3% of the transfer amount.
Step 3
If there is no bank branch in your city, of which you are a client, you can contact any other bank. Each of them provides money transfer services. The only thing you need to know is the name of your bank, account number and loan agreement, and have your passport with you. But a bank transfer, like a postal one, is paid. In addition, this operation will take some time.
Step 4
You can pay the bank by withholding and transferring funds from your salary. To do this, contact the accounting department of your organization and write an appropriate statement. Indicate in it the monthly repayment amount, if necessary, attach a loan repayment schedule. But at the same time, pay attention to one important circumstance: the calculation and payment of wages must be carried out no later than the date of the next payment to the bank.
