Loans are given by all existing banks, only at different rates. At the same time, it is necessary to distinguish how you pay off the loan: in equal payments or not. After all, even interest can be charged on the remaining amount or on the whole completely until the final repayment of the debt.
It is necessary
- - loan agreement;
- - checks confirming the payment of the loan;
- - telephone;
- - the Internet
Instructions
Step 1
Take the agreement that was given to you at the bank during the loan processing. Look, a sheet with the calculation of all the necessary monthly payments should be attached to this agreement. It is on this document that it should be indicated: how long and how much money you must deposit to the bank. This amount includes the principal amount of the debt and the interest charged for the use of the loan.
Step 2
Collect all available receipts to prove the loan payment. One check, as a rule, must confirm one payment per month.
Step 3
Count the funds paid on all checks. Then subtract the resulting value from the full amount you borrowed. Thus, the resulting figure will be your loan balance.
Step 4
Call the branch of the bank where you took this loan. This method will also allow you to find out the remaining amount of the loan. In this case, you can find out the bank's phone number directly from your agreement. As a rule, many banks have a free hotline, so the call will be completely free. But you will probably have to wait a bit, since you will be talking to the answering machine first.
Step 5
Register on the website of your bank in the "internet bank" or "my bank online" system. Unfortunately, not all banks can offer this service yet, it is most suitable for credit card holders.
Step 6
Go to the bank where you took this loan. In the department, contact a specialist, he will definitely tell you how much you have left to pay on the loan and print you a payment schedule. In this case, do not forget to take your passport with you, if you have loan documents, then take them with you.
Step 7
You can find out the remaining amount of the loan at the ATM and in the payment and information terminal. In this case, you will need the number of your agreement confirming the existing loan.
