At the present time, borrow money at certain interest rates - this is not a problem.
The problem appears when the time is right to return this money. After all, you take money - strangers and for a while.
And you give - your own and forever.
How to close the loan?
You will need
- - a copy of a loan agreement certified by a notary public-
- - Information about the residual amount of payment received in the credit department of the bank where you took the loan,
- - application for early repayment of the loan.
First of all, firmly remember that in addition to repaymentLoan, you do not owe the bank anything. Therefore, all the urgent recommendations of the employees of the bank in which you took a loan, anything they have to get or buy (such as a credit card) do not have any legal authority, and your decision on this matter is entirely dependent on your goodwill.
In the credit department of the bank where you tookLoan, document the residual amount of payment to close the loan and calculate interest on that amount. All this information must be documented.
Based on the received documents, makeThe last payment exactly and only in the same bank, in which they took a loan. To avoid further very likely complications, do not make the last payment either at the post office or at any other bank.
After your last payment is credited to the bank account, write an application for early repayment of the loan.
Be sure to take a certificate in the credit department of the bank, sealed with stamps, that you repaid the loan and the bank has no claims to you.