rapid growth of credit market leads to the fact that people are accustomed to live beyond their means.A real opportunity to immediately get in using something that is not quite expensive, forcing many to borrow huge sums without thinking that sooner or later the money will have to give.
take someone else's, and gave their
often sudden departure, illness or just irresponsibility prevents the borrower to fulfill its credit obligations on time.But such forgetfulness "treated" fairly easily.After paying a couple of times imposing a fine for late payment, the more likely you rebuild their financial discipline.Often, however, everything is much more complicated.With the economic crisis, more people lose their ability to pay.Is this due to a job loss or other reasons, are not so important.
debts on loans.What to do?The crisis in my life and in my purse
read any contract lending, you're sure to find there is a point on which absolutely must notify the bank of any changes in your life, whether it be a change of address, place of work or family.Especially it concerns your ability to pay.The first thing you should do - go to the bank and make it better for two or three weeks before the expected emergence of debt.Try to negotiate a postponement or rescheduling of payments.So you can show the bank that you are also concerned about the debt on loans, learn how to fix the situation with minimal losses for themselves.
Remember, all negotiations with the bank should be conducted only in writing.Afterwards you will be able to prove that really appeals to the institution with the aim to solve the problem of the world.The application will certainly attach documents proving that the reasons that led you to go to the bank, is really good.This can be a certificate from the employer that you have lowered wages, a copy of the work book with a record of dismissal, certificate of employment center, an extract from the honey.maps showing the diagnosis and receipts for expensive treatments or medications.Employees of the bank will check and take appropriate action.
If you do not have the opportunity to visit a financial institution in person, send a letter to the documents, only necessarily registered with acknowledgment of receipt.
How much is the delay
can say that to the bank for some time even beneficial "forgetfulness" of customers, as for each day of delay of the loan will have to pay a fine.The size of interest can be from 0.01 to 3% per day, or expressed in a fixed amount.There are cases when the bank pays interest not only on the loan itself, but also on the fines and penalties are not paid on time.Then the amount of debt increases every day almost exponentially.
In addition, almost every loan agreement contains a clause under which the bank may unilaterally demand early repayment of the loan due to the breach of the agreement.A failure to pay just such a violation is.
Is it worth it to hide?
So, you have arrears on loans.What to do?Options for addressing a lot, but what exactly do not need to do is hide from your bank's financial difficulties.Do not think that you forget about the debt and forgive.If employees of the financial institutions do not exasperate your calls and letters, the reasons for this may be different, but forgetfulness - just not one of them.Some banks simply do not have the number of employees to respond quickly to the slightest delay, and to separate structures - a kind of business, so to speak, an additional line of income.After all, the longer you do not pay, the more you can finally ask, especially if you take a loan against any property.
Once you are overdue a few payments, the bank will write you in the "black list", and credit history will be damaged.Even if you decide the issue with the repayment of the loan, when new problems arise.And if the amount of the loan exceeds 1.5 million rubles., The bank may require the recognition you dodgers.In this case, you threaten not only the huge fines, but also a real prison term - up to two years in prison.
Let's agree!Restructuring
accumulated debt on loans?Ask the bank staff about the possibility of restructuring is necessary in the first place.In 90% of cases they are going to make concessions to its customers, who are in a difficult situation.This occurs because by law the bank must of its own profits to create a fund that covers the outstanding loans.So, it decreases the net profit institutions, and not its assets.Therefore, any bank is vitally interested in the fact that such a fund was much smaller, because the money should work.
The first thing to do is to write a statement on debt restructuring.After consideration by the bank decides what you do next.The best solution for you would be the conclusion of a new agreement (or an additional agreement to the existing one) for a longer period with a simultaneous decrease in the amount of monthly repayment.
Sometimes, especially if you are able to prove to the bank that the difficulties you have time, you can provide credit vacation.This means that the repayment of principal on the loan is suspended, and will have to pay only the interest.Fines and penalties in this case, too, will not be charged.This service banks can provide their borrowers for a period of one week to a couple of months.If during this time of your financial situation does not improve, we will have to find another way out.
Another loan?Refinancing
debt restructuring If you did not work, and for some reason the bank refused you, you can try another option - a loan to pay off other loans.Refinancing can be issued in the same institution or to any other address of your choice.
Such service may be relevant, for example, for a mortgage, or if you have multiple loans.In this situation, the loan to repay other loans will help to avoid confusion with payments to various banks.It maturities may differ, and risk exceed the time-limit next payment increases many times.It may be advisable to take a new loan in the amount sufficient for full payment of all other loans, and closely monitor the timely fulfillment of its obligations.
Attract guarantor
You have debts on loans: what to do?Find a reliable guarantor.This is another way to address the issue, which can offer you a loan officer.As long as you do not peregruppiruete their money and do not begin to fulfill their obligations in full, the guarantor will act as the guarantor of your ability to pay.Of course, you will have to prove the solvency of the guarantor, it would require a full package of documents, usually the same as for the borrower.However, remember that if you still can not settle with the bank, all the burden of responsibility will fall on the guarantor.
Goes Hunting: collectors and depressants
If you owe more than ten dollars, and to communicate with the employees of the bank you dodge, your debt can be transferred to collection companies.Sometimes these structures fully redeem your debt to the bank on the loan, but most of the collectors are working with them in terms of outsourcing.That is, they have a one-time service in each case.Communication with companies is usually much more unpleasant than a conversation with the bank employees.Although they are required to act within the legal framework, in practice it happens not always.
By law, the collector must first contact you by telephone and to try to convince you to repay the debt voluntarily.Further, the course is direct mail.The collector must notify you in writing that the bank assigned him to recover from your current debt on the loan, specify the amount of debt and maturities.If this call was ignored by you, the staff of collection companies will try to meet you in person.To do this, they can come to your home or work.If no action is brought to a positive result, collection company may apply to the court for compulsory collection of debts.
If this happens, you can try to hire the services of antikollektorov.These are legal organizations, the essence of the work is to protect borrowers from banks or collectors.Also depressant can help reduce the amount of the fine and to achieve conversion of a penalty on the loan.
in court?
If an amicable agreement with the bank still does not succeed, then sooner or later will move to the court proceedings.To fear is not worth it, debt relief on loans is unlikely to happen, but at the trial the loan amount will be frozen.This means that no longer accrue fines and penalties and the total amount will cease to rise steadily.That is why banks often go to court only as a last resort.After all, until that happens, the amount of your debt continues to increase, which means increasing and the probable income of the bank.Sometimes it comes to the fact that the total amount of penalties and interest is much higher than the debt itself.If you know exactly what you repay the loan in the near future will not be possible, and negotiate with the bank does not work - safely address the court themselves.The court, of course, decides to loan you back, but with the support of an experienced lawyer, you will be able to achieve the most appropriate for themselves the conditions of repayment.
Practical advice
Do not get too rely on the fact that after the expiry of the limitation period (3 years) will forget about you.This position can play with you a malicious joke.After 3 years, apply to the court to be able to not only banks, but also yourself.So of course he will not be able to recover from your debt.But nobody will prevent him to sell your debt collectors.But these gentlemen will be able to spoil your life for a long time, because they have no statute of limitations.And as much as you can take with collectors, God knows.
loan made to pay: whereby
If you took a loan against car, apartment or other property, the first thing Enforcement will be through the sale of the property.If the amount is insufficient, then the eyes turn to the bailiffs funds in national or foreign currency, and in that order.Then, in the course of the rest of the debtor's property will, if it is available.At least suffer your salary, only official and not more than 50%.
What you take will not be able
not be withdrawn on account of repayment of the loan:
- food, an amount equal to the cost of living for all family members;
- household items and household items - clothes, shoes, necessary furniture, and so on. D., Except for luxury items, which can be classified as a washing machine, microwave, food processor, juicer, TV, and so on. Etc .;
- items that are needed for their activities, for example, if you are a violinist, the violin will stay with you;
- things belonging to a disabled person - crutches, wheelchair (even very expensive);
- pets, livestock, poultry, unless they are bred for personal needs;
- awards, prizes, state awards, medals;
- social allowances, benefits and compensation, such as loss of a breadwinner.
By the way, the apartment for the debts of the credit goes to you only if it is - not only accommodation, suitable for permanent residence of the family or a collateral for the mortgage.The same applies to private homes and land.
How to avoid this in the future
very frustrating when there are debts on loans.What to do to continue this did not happen, everyone decides for himself.However, observing the simple rules, we can try to protect themselves from such situations.
- Before you take out a loan, think about how you will give.
- not take several loans at once.The amount of payments as a result can be very heavy.
- Read the credit agreement, in particular the places written in small print.Then the penalties and fees will not be a surprise.
- If the loan amount is large enough, try to insure it, in the future it might be useful.
- If any abnormal situation should immediately contact the bank and try to resolve the issue peacefully.
Follow these rules and you forget about the problems, at least until such time until you get a new loan.
