At the moment, the Savings Bank of Russia has simplified the loan repayment system as much as possible. What are the ways to pay off an issued loan? Each of them has its own advantages and disadvantages.
Instructions
Step 1
Loan repayment according to the established schedule
If you have an account with Sberbank or have a bank card, then you can use Internet banking. SberbankOnline allows you to manage your financial resources in various ways. Similar conditions are offered by Mobile Banking. You can also redeem through different self-service devices. These include Sberbank ATMs. To do this, you need to use the selected device to transfer funds from your bank card to the account that is intended to pay off the debt.
Step 2
If the above methods do not suit you, then you can simply come to the Sberbank branch and use the services of an operator who will deposit the money. To do this, you will need a passport. If you are officially employed, then ask the accounting department to issue an order for the monthly transfer of part of the salary according to the specified details. If you have a Sberbank card, you can issue a long-term payment order to write off money.
Step 3
Pay off credit card debt
You can repay a loan by credit card through a Sberbank ATM. To do this, you need to deposit the required amount into your credit card account. In addition, you can transfer money from a bank card to another credit institution. However, not every bank is ready to provide this service.
Step 4
Partial or early loan repayment
It is worth noting that early or partial repayment of loans at Sberbank is free of charge, in other words, no fines and additional fees are charged. The arbitral tribunal has officially recognized that withholding fees and fines is illegal and severely punished. An exception can only be an agreement that was concluded for a long time and sanctions for early repayment of a loan were spelled out in it.
Step 5
Particular attention should be paid to the ability to change the loan repayment schedule with partial repayment of debt. At the same time, this possibility should be provided for by the agreement: if the loan debt with partial early repayment significantly decreases, then the amount of the monthly payment should also decrease. However, this is not at all necessary, since the terms of the loan agreement may stipulate that the payment schedule is not revised, but only the lending period is reduced.
