The most common way to repay the loan is by making regular payments in accordance with the debt repayment schedule, which is determined by the bank when granting you a loan. To do this, you must, in any available way, ensure that the account linked to the loan product you are using has an amount equal to the next payment. If you wish, you can repay the loan ahead of schedule.
Instructions
Step 1
You can replenish your account, from which funds are debited to repay the loan, by depositing cash at the bank's cash desk, transferring from another account in it or in another credit institution. Banks offer several ways to transfer from an account: through an operator with a personal visit to a branch, call center, mobile banking, Internet banking. You can choose any of the available ones that you find most convenient. You can also make a loan payment at the Russian Post, through instant payment terminals, transfer from another bank without opening an account with it, etc. The bank will prompt you for a full set of available options. you took out a loan.
Step 2
If you have a plastic card of the same bank that issued the loan, you can make the next payment using an ATM belonging to it, if there is a function for accepting money. Insert the card into the ATM, enter the PIN code, select the option to deposit cash from the menu on the screen and insert the money into the bill acceptor or put it in an envelope and send it to the hole intended for it. If the money is not deposited into the credit product account, after crediting it you need to make a transfer: through an ATM, if possible, the call center of the bank or an operator in its branch …
Step 3
If you want to repay the loan ahead of schedule, ask the bank's call center for the full amount of your current debt. Deposit this money in any way you can to your account. Then contact the bank and apply for a withdrawal of money. Often a phone call is enough for this, but it may require a visit to a bank branch. If you are paying off a revolving credit card debt, simply depositing money into it is sufficient.
Step 4
Along with the full repayment of the loan, a partial loan is possible. In this case, you pay the amount you deem necessary, inform the bank employees about your desire to make a partial repayment of the debt and the amount of the desired payment. Usually, credit institutions practice a minimum amount of partial early repayment. For example, from 5 thousand rubles in excess of the next payment. Many banks fine borrowers for early repayment of debt. You can challenge the legality of this sanction in court and, when deciding in your favor, collect the overpaid funds from the bank. Please note that the limitation period for the executed loan agreement is three years from the date of its conclusion.
Step 5
After the debt has been paid in full, you may need to take additional steps. For example, closing a credit card if you no longer plan to use it, or an account linked to a credit product. Clarify this issue with the bank, if possible, even when applying for a loan. And after the final payment, check too. And if necessary, complete all the required formalities. Also take a certificate from the bank stating that you have no unfulfilled obligations to him and keep it.
