When applying for a loan, the borrower is usually interested in the size of the interest rate and monthly payment. But information about loan repayment often escapes. The technical side of the loan repayment is quite simple: the borrower must ensure that funds are available in the loan account on the date stipulated in the schedule.
Instructions
Step 1
You can repay the loan in various ways. The most popular is the payment through the bank cash desk. The advantage of this method is the absence of a commission, as well as the minimum risk associated with a technical error of a bank employee. A clear disadvantage of this method is the presence of queues on the days of loan repayment, as well as the coincidence of the bank's operating mode with the operating mode of most organizations and enterprises. In this regard, some banks are currently actively introducing an automated settlement system, which allows you to avoid queues and pay off the loan at a convenient time. And some of them provide for an Internet payment system.
Step 2
Another affordable way to repay a loan through the Russian Post. However, be prepared for the fact that for transferring money to the bank to repay the loan, you will be charged a fee of 1-3% of the payment amount. Please note that the transfer in this case will take several days, so you will have to pay in advance. Often this feature of postal orders leads to delays and the accrual of fines.
Step 3
You can also repay the loan through a branch of a third-party bank, for example, Sberbank, which has a large branch network. When contacting a third-party bank, you will need to write an application for a transfer. Just do not forget that this service is paid, the credit institution will take a commission for it. In addition, like a postal order, such an operation will take some time.
Step 4
You can also repay the loan by transferring the monthly amount from your salary to the bank. To do this, contact the accounting department at the place of work and write a corresponding statement. You can transfer the same amount every month or attach a loan repayment schedule to your application. Pay attention to one important point: the issuance and calculation of wages must occur before the date of loan repayment.
