Situations in life are different. Sometimes external circumstances develop in such a way that it is impossible to fulfill obligations to the bank, and an overdue loan arises.
At the same time, interest on debt is beginning to accrue.
In this situation, it is better to take measures that will help pay off.
Try to recharge money. You can apply to another bank or to your friends. It is much easier to negotiate a loan with a person than with a bank. The faster you repay the debt, the better, since a penalty is charged on a daily basis, and gradually its amount may exceed the amount of the loan.
If you can not afford to pay,Ask the bank for a restructuring. This is a procedure for extending the term of a loan with a reduction in the amount of payment per month. Many banks are taking this step, but the increase in the term will affect the total amount of interest that you overpay. In order for the bank to agree, write the statement, read out the reasons why it is difficult for you to pay the loan agreement.
Some banks give a deferred payment. To do this, you also need to come to the branch where the loan was taken, and write a statement explaining the reasons. After all, restructuring will not help, if there is no work. Let the payment and less, but it still can not be extinguished without money. The delay can be given for a period of up to six months, but in each case it is decided individually.
It is not recommended to hide from the bank and not payQuite, because after some time he will be forced to collect his money. Today, the loan agreement specifies in which way the bank can do it. The most common is the appeal to the court. The second most popular is the appeal to collection agencies and resale of the loan. The third one is its own security service, which will take money in various ways.
If the delay in the loan is very large andExceeds the loan amount, then you can independently apply to the court. The court can stop the accrual of penalties, reduce their volume, and set the payment deadlines. If you can not repay everything at once, the papers will be handed over to the bailiffs, who will gradually collect the specified amount.