At the present time, lending to individuals and legal entities has become available, and also not a complicated procedure. But any loan received must be paid monthly and after a while fully repaid. And therefore, in order to correctly carry out a loan repayment and get a positive credit history in the bank, you must adhere to a few simple rules for loan repayment.
It is necessary
- - loan agreement;
- - ATMs;
- - cash desks of banks;
- - payment terminals;
- - self-service terminals;
- - Internet payment systems.
Instructions
Step 1
Choose a convenient loan repayment schedule. There are such schedules of monthly repayment: equal payments and payments in reduction. For long-term loans, it is recommended to choose a loan repayment schedule to reduce the payment. For short-term loans, you can choose different repayment methods. The loan must be repaid in the same currency in which the loan was issued to you.
Step 2
Choose the most convenient loan repayment method for you. This can be a payment through the bank's cash desk or through self-service banking terminals, in which case payment is made without a queue. If you are currently outside the bank's division, then a convenient option for repaying a loan will be for you: payment terminals, ATMs, postal orders, or payment through the accounting department at the main place of work. Loan repayment is also possible at home, through payment systems on the Internet. Depending on the method of repayment of the loan, you can also determine the size of the commission that is charged for making a payment and choose the best option for yourself.
Step 3
Make payments on the loan on a monthly basis, according to the amounts specified in the loan agreement. Payments on your loan must be made on time, based on the repayment dates specified in the repayment schedule for your loan. In case of late repayment of the loan, an additional commission is charged in the amount of penalties for late payment. When making a payment, be sure to discuss the timing of its receipt at the bank that issued the loan to you in order to prevent untimely receipt of funds. For example, when repaying a loan at the cash desks of banks other than the bank that issued you the loan, the payment will go within 3 banking days, and when repaying through a self-service terminal located in the division of the bank that issued you the loan, within 1 day.
Step 4
Contact the branch of the bank that issued you the loan to clarify the last loan payment. The amount of the last repayment, when the loan is completely closed, may differ from the amounts prescribed in the repayment schedule. In case of full repayment of the loan, the bank employees must put a stamp on your loan agreement with a note - "repaid" and certify this note with the signature of the head of the bank division.
