It is impossible to insure against temporary financial difficulties. Job loss, illness, late payment of wages - all this can lead to the emergence of debt on a bank loan. To get rid of this problem, you need to find a compromise solution.
It is necessary
- - application;
- - on-lending in another bank.
Instructions
Step 1
If you understand that in the near future you will not be able to pay off the loan debt, immediately contact the bank, write an application and ask for a deferral from loan obligations for several months. This will allow you to have a minimum number of problems and not accumulate debts due to penalties applied by the bank to debtors.
Step 2
You do not have to contact the bank personally, but send an application to the manager by registered mail with a list of the attachments and subsequent notification that your message has reached the addressee.
Step 3
If there are guarantors, the bank has the right to collect debts on them, if they have not lost their jobs and do not have financial problems.
Step 4
A credit institution is always ready for a dialogue with a client to end with a constructive decision. Therefore, you may be provided with a deferral from the payment of payments, but the bank may increase the interest rate on the loan. In addition, you still have to pay the interest provided for the use of the loan on a monthly basis. You will pay off the principal amount of the debt as soon as your financial situation stabilizes.
Step 5
Another way to pay off debts to a bank is to apply for refinancing in another credit institution, indicating in the application form the reason for obtaining a loan. Having issued a new loan, you will be able to fully repay the debt on previously assumed obligations, but when receiving a new loan, you will have to confirm your solvency by presenting a certificate of income of the unified form 2-NDFL or in the form of a credit institution. And if you have problems with repaying a loan in one bank, you are unlikely to be able to document your financial well-being, so this method of paying off debts is suitable for you only if you still have stable income and the debt arose for other reasons.
Step 6
Do not shy away from negotiations with the bank, do not turn off your phones, not wanting to talk with representatives of the credit institution. The bank can file a claim in court and collect the entire amount of the debt from you by force, so it is in your best interest to find a constructive solution that minimally affects your credit history.
