Sometimes there are situations when a person makes out a loan in a financial institution and have problems with repayment.In this case, the question arises, what will happen if you do not pay the loan to the bank.
According to statistics, many customers who decided not to pay the loan remain solvent citizens.Borrowers just go away from their obligations.And for that, there are numerous reasons.Some people just do not want to give their own savings, others believe that the lender requires a high rate of interest, etc.
But remember: if a person is "hanging" credit, he must repay it.Although he is not afraid of difficulties and dangers, we can continue to ignore the lender and find out what happens if you do not pay the loan to the bank.
What is the percentage of no return?
In any credit structure there is a concept "percentage of no return."In other words, the lender sets a fixed percentage covers all costs for processing the loan that the borrower must repay.The minimum threshold for this indicator is 3% of the loan amount.
still not worth it to not pay the loan, so the lender does not want to give up just with his finances.The organization will take all measures for its repayment, then the borrower will understand what will happen if you do not pay the loan to the bank.First, an employee of the financial institution will operate smoothly and will in the conversation.While it will announce the amount of the debt, and find out the reasons of non-payment.In this conversation, the borrower can hear the familiar phrase: "I remember about my loan, but now I can not pay off, because no money to pay the loan."What to do in a given situation, so as not to bring the case to court?You can agree that in a few weeks the amount will be repaid, but it is not necessary to become impudent and ask for the months of repayment.Some borrowers may be due to the promises made to defer the payment of a sufficiently long time.However, in a large bank such a scheme promises not pass and have to pay on time.
What happens if you do not pay the loan to the bank and after the promised time?
In this case, the banks resell the debt collection companies that beat their debtors.Their goal - to get the money back at any cost, so by any legal means, they will put pressure on the customer.Every day, employees will not only call on his cell phone, but to come home and demand the return of debts.You should not hide, as the collectors can start to call your family and threaten.They can terrify, saying that if you do not pay the loan, go to jail for a long time.Collectors will do everything so that you no longer sleep peacefully.They will give the case to court, and you will go to the bailiffs.You can, of course, to hide and not to open the door, but the truth is on their side, and you just violated the terms of the contract and must be punished.
three years can hide and wait, when the term of the statute of limitations, but to get a loan you will never succeed.
