in the lending market was not very good situation: about 25% of borrowers have trouble with repayment of the loan.The problem lies not in the fraudulent actions of direction and even in the inadequate assessment of the client's solvency banking experts.Everything is much easier - the reason ordinary life situations.No one is immune from the problems of health care, as well as the loss of work.Depending on the situation, the borrower may lose part or all of the income, as well as experiencing temporary difficulties with employment.
About a quarter of customers losing solvency by reasons beyond their control, provided that, alas, is impossible.Unfortunately, unexpected situations can not be prevented, but their effects can be insured.It does not go to the insurance program.Credit with deferred payment - are the most effective option of insurance against the will of the case.
How to get the money now and pay later
is important to understand that the postponement and installments - are completely different things.Some borrowers find these concepts identical, which could then lead to certain problems.Deferred payment - a repayment of the debt transferred to another period of time longer than the one specified in the loan agreement.Some loan programs provide initially deferred payment.The loan agreement specifies the initial fee required to be paid at a certain time, and the grace period.
Such credit program is extremely beneficial to start-up entrepreneurs - not every business starts immediately generate income.To become a lucrative business, it takes time.Postponement allows the business to grow and significantly reduces the cost of the entrepreneur, has just opened his own business.In some cases, the delay can be provided on an individual basis, even if the item is not provided for by the credit agreement.
banking loyalty - is not a myth but a reality
Almost all banks are loyal to the borrowers - that is a fact.The explanation given circumstance sensitivity, compassion and understanding of the bank's employees and logical desire to minimize losses.It should be noted that banks do not show loyalty to the borrowers failed to fulfill credit obligations.The client, who got into a difficult situation, you should contact the staff of the bank, and it is desirable to do so even before the loss of ability to pay.Borrower to notify the bank representatives about their problems and the current situation may be granted a deferment of payment, even if it is not provided by the credit agreement.
grace period and other nuances of the individual in each case.It should be noted that, if the borrower is clearly shied away from credit obligations, then about any postponement can not be considered.Although the court decision deferred payment may be granted in addition to the desire to banking experts, however, this is a special cases, depending on a variety of external factors.
To get deferred payment through the courts, it is necessary to use the services of competent professionals engaged in addressing issues such a plan.Inexperienced person is very difficult to convince the representative of Themis in need of it.Many borrowers were in a difficult situation, prefer to refinance the loan - in some cases, such a solution is more appropriate than the delay of payment, for example, provided that the customer is not completely lost the ability to pay.Credit brokers offer a variety of refinancing options, allows you to calculate on existing obligations due to a new loan with a lower rate.
