Nowadays loans have become very common.You can take a loan to buy housing.For many families, this is a major opportunity to improve their living conditions.Raisin in such a credit or two.Firstly, there are government programs of concessional lending, which in some cases is used for specially constructed for the purpose of social housing.Secondly, this loan does not require special security.In his capacity as it used to buy an apartment.And the presence of collateral, the bank helps to achieve a more favorable financial terms.In other cases, loan makes available to purchase for many modern personal car.Sometimes in order to get a loan, you need to go through the tedious procedure of registration, and sometimes a credit can be obtained using only a passport (in the case of express consumer credit).You can get a loan to start a business, but you can get a loan to buy an expensive home appliances.
need to return the debt
the illusion that you can borrow money without end.But in fact, sooner or later there is a situation when they have to give.Most people are trying to honestly pay for the resulting credit.Some believe that you can not pay, and nothing bad will happen.And in some situations, taxpayers are faced with life's difficulties, which could have been avoided.But the result could not definitively settle the loan made earlier.
ratio of banks to issue
What to do in such cases the bank?Of course, he carefully examines each situation and tries to act accordingly its features.If the payer only in the life of the band came hard, but he tends to pay honestly, it most likely will go towards finding a compromise solution that satisfies both sides.But against the dodgers going the other way.First, they try to find a common language, to convince them that the debts should be given.If this does not work, then there is debt collection.
collection procedure
first efforts undertaken by remote occurring without direct contact with the client.If at this stage of recovery of the debt does not give results, then comes the next stage.The bank meets the client personally.These two stages of an attempt to address the issue of pre-trial official.In order to make debt collection, sent a registered letter to the official address of the debtor.If nothing changes, then the case is transferred to the court.If you win the case occurs Bank debt collection court order.I must say that even then it may take some time before the court decision will be executed.Debt collection can be a very long procedure.
debts as freely buy and sell goods
debts are in fact goods.They can buy and sell.There is a special kind of business, which are engaged in debt collection.This collection business.Besides this focus firms, debts can buy and anyone else.So if we are talking about the debts of companies, they can purchase their competitor.Debt collection under the loan agreement takes place in the same way.
