Loan restructuring in the “savings bank” a natural person: the conditions, statements, documents and reviews

Taking out a loan from Sberbank, a person may not always meet the terms of the contract. Life goes on, man changed circumstances: layoff, divorce spousal illness. It can be granted restructuring of a loan from Sberbank individual. It eases the process for back-bank debt in a difficult financial situation.

Restructuring should not be confused with refinancing. Refinancing – this issue of Sberbank loan money to repay the loans taken out by a person with other banks. The purpose of refinancing is to combine multiple loans into one or lower interest rates on previously issued loans.

What is it – the restructuring of the loan in the savings bank?

A natural person becomes eligible for restructuring.

There has been a series of actions taken by the bank for the borrower, which bring the return of credit to customers without affecting their financial situation. Restructuring – is the interest rate, the frequency of payments to reduce and increase or reduce the term of the loan.

Types of loans restructuring

What types happen restructuring of a loan in the savings bank? A natural person has the option to choose:

– Exemption from the payment of principal on the loan, makes the borrower interest only – vacation credit. In some cases, the release goes to the full amount of the payment, but extends over a period of time. In this case, there are also disadvantages: the borrower for the loan the overpayment threatens due to the increase in its payment period.

– Nenachislenie or cancellation penalties and interest incurred as a result of delay in paying the debt.

Reduce the amount of monthly payments by increasing the term of the loan -.

– Determining the individual schedule of payments to the borrower simplify payments. This may be a transfer of the payment date, and a reduction in contributions in certain months.

Loan restructuring conditions with Sberbank

How is the loan restructuring of the savings bank?

A natural person must be aware that a decision to reschedule the pot takes. Under certain conditions, providing Sberbank support for the repayment of debt to its borrowers. The bank is entitled to consider the application of debt restructuring in the following cases:

– First of all, it is the delay on the loan for more than 30 days.

– Loss of major types of income – redundancy.

– Situations in which additional unplanned costs of the borrower stock – the loss of the ability to work, illness, death of a relative.

– A number of reasons respect nature (loss of additional types of income, pregnancy, loss of breadwinner, to leave the army, etc.).

– The death of the borrower. In such cases, provided that the heir to the restructuring of the loan in the savings bank. Is it possible to arrange them, and you need to do?

Request for restructuring

Application form can be filled in the branch of Sberbank, and download the form online, fill it out and send it by email. There must be in any case for the repayment of the loan to the new conditions, the subject of the commitment, the reasons for restructuring, types of income enter the loan to secure (if any). After a short time from the bank of borrowers call and ask certain department to discuss further cooperation process. Assigned to the debtor a specialist with whom he discusses further actions and a list of required documents.

Documents for restructuring

The documents must prove a difficult , financial situation of the borrower:

– Workbook with a record of the dismissal.

– Documents confirming deterioration of the financial situation: the order or a copy of the provision leave woman on maternity leave or a copy of the provision of leave without pay order.

– Sick leave, disability information.

– Information about income.

– Passport of the citizen of the Russian Federation.

The list of documents is for each case. In the application you need to most reliably describe the financial situation of a bank employee. It should be remembered that the restructuring decision is made by Sberbank and the individual has no right to challenge the rejection by the bank application. Submitted documentation reviewed. Then a decision on the approval. Here is what it means in PJSC "Sberbank" loan restructuring. Terms and conditions should be specified in the department.

The restructuring of the credit card

Credit card is the most convenient way to shop. When it comes time, the debt on the credit card in the loan balance and interest-bearing debt size doesn't wipe out. The transfer of the loan repayment period ;: If a positive decision on the restructuring of credit card debt can be offered the following conditions to the customer reduction of interest and principal payments on the uniform; an increase in the term of the loan by reducing monthly payments.

Restructuring mortgages Sberbank

To an individual an opportunity to restructure mortgage loan. 'The property is a guarantee to the bank, so the bank does not bear the risk of losing its money. If the customer stops making payments, the credit institution sells property and the money back.

For the borrower there is a risk of loss of payments that have already been paid on the mortgage. The term of a mortgage loan restructuring large. The bank may refuse to pay in installments, arguing that the refusal to pay. The customer should insist on providing the service organization, as this is the best way for the borrower.

Reviews

Reviews suggest that violation on loan contract results in imposition of fines. To avoid to increase the debt, the borrower will take measures to restructure the debt. In this case, the amount of credit will be larger, but the debt increase is much smaller amount than the imposition of penalties and fines.

Customers are satisfied with the fact that there is the possibility of restructuring. It allows you to avoid the appearance on the doorstep of the bailiffs with the decision on the confiscation of property due to this service, you can get rid of the phone calls debt collectors, and also avoid bad credit history. Prepay the loan after restructuring is not prohibited.

Now it is clear how to restructure the debt of a bank loan.