Credit - a popular tool by which people are able to make large purchases.Sometimes, however, borrowers with the debt owed to the bank.Payment problems arise for various reasons: because of the economic instability and financial difficulties, the appreciation of the currency, and disability.Even small debts can get out of trouble.From the article it becomes clear whether there are outstanding loans, how to know the debt on the loan from Sberbank.You will be aware that you need to take to resolve the difficult situation.
way to get information about debt loan
Borrowers having debts, have to deal with telephone calls from the bank, visits and calls collectors, letters from bailiffs and even judiciallawsuits.As a result, spoil credit history, business reputation.In the interest of the borrower - at least, to build with Bank staff constructive dialogue, as a maximum - the amount go out.How to find out about their debt on loans, write-offs?We describe several ways:
- personal visit.You needto bring a prisoner before the contract, passport and contact the bank branch.Employees of a financial institution to verify the information, inform the exact amount of the debt, explain the rules, talk about the redemption procedure and render all possible assistance.
- Call the hotline, which is at all large organizations.For information on the debt is to prepare the contract and be ready to announce a code word.
- take advantage of online banking.The method allows to find all the information regardless of the time of the financial institution.Through the Internet will manage their finances even abroad.
- an ATM or self-service terminal.Savings Bank of the Client must log in to your personal cabinet in order to clarify all the details of the loan.The information stored in the corresponding tab.
What to do in case of overdue payments
If you are familiar with the information on how to know the debt Sberbank loans, review the information about solving the problem.Limitation of actions - not more than three years, but the banks do not like to sue the customers.They are interested in making money, so always agree on a constructive dialogue with the borrower-debtor.Most importantly - do not hide from them.Even if you ignore the phone, change address, will still be charged interest.If it is impossible to pay off the full amount, it is advisable to make at least 20-30% of the debt.With this outcome the bank does not write you dodgers.
In the case of long delay is necessary to address a written statement to the credit Cberbanka department.You must specify the coordinates, to describe in detail the problem, attach copies of documents proving the existence of a valid reason debt education.In addition, it is recommended to offer debt solutions options, specify the specific dates.Writing bank response to treatment should take personally.Wondered what to do if your credit card debt?We must act as well.
procedure for debt restructuring on the loan to Sberbank of Russia
If there is no money for paying out the loan, a debt, it is worth to try to restructure the loan, that is, ask the bank to revise the terms of the concluded contract.If the answer financial institution will provide the customer delay in payment, the individual will develop a repayment scheme will increase the life of the loan, or give up collecting fines, penalties.Note that will not be used all the tools of restructuring, but only some.
problematic to start earlier offer fill in the questionnaire.Customer must specify:
- information about the borrower;
- reasons for the formation of the debt;
- information on the property;
- information about finance, stock cards;
- desired method of restructuring.
next step - selection of optimal variant of the restructuring and the provision of customer requested documents (certificates of employment, financial situation, copies of passports, questionnaires, statements).After that, the bank employee to prepare a document reflecting the new terms of the loan.The procedure is not very complicated, but effective.Thanks to the creditworthiness of the customer is stored and eliminated lender losses.
Attention!The banks agree to restructure only if compliance with certain requirements.At the borrower must be a good reason for the revision of the contract: illness, layoff, disability or something else.It is important that there was a good credit history, no debts for previous payments.There must be other restructuring earlier.Banks are willing to agree to a revision of the terms of the contract, if the loan with collateral.
Video: how to recognize the debts on loans by the name and passport
How do I know if there is debt on loans?Interaction between the client and the bank can be traced well in credit history.It does not contain information about purchases, existing assets of the client and his relatives.To see the story, get a statement, you need only fill out a questionnaire, and to assure her poison in NBCH.If you ask the experts, how to know the debt on loans in the Savings Bank, are advised to contact them.All the nuances of credit history you will learn from the video presented below.