Most Russians have credit obligations. Unfortunately, sometimes in life there are situations when you can not pay on the loan.
And often, these circumstances do not depend on the client's will.
Delay of wages, layoffs, administrative leave ...
And sometimes it can be a divorce, fire, robbery. If in individual cases provided insurance for the others - no.
What to do?
First of all, do not panic and do not hide. "Ostrich policy" to anything. It is better to come to the bank and honestly explain that you can not continue to pay the loan. Further possible three options: postponement, rescheduling or refinancing the loan. What is it?
Let's start with a delay. It happens that the deterioration of the financial situation of your time - a sudden reduction or administrative leave. If both you and the bank are confident that after a while all is normalized, we can write a statement about the postponement. Deferral may provide for a period of 3 months to a year. Of course, at this time no penalty or any interest is not charged.
Restructuring - is, simply put, a changeCredit conditions in the more forgiving. For example, you have a decreased salary. Then the bank simply prolongs the term of the loan, which reduces the size of monthly payments. It is possible to agree, and to reduce the interest rate. It all depends on the specific situation. Do not be afraid to speak to the manager about the restructuring. Bank is more profitable to get you at least some money and interest than get nothing and "play off" on your collectors.
Refinancing - tool more complicated hereIt requires the participation of a third party. Generally, as the third party acts as another bank. If restructuring is not possible, you should look for a loan on better terms at another bank. Then this loan taken to block the loan and pay for it. The complexity of the situation is that it is not always possible to find a more favorable credit. Moreover, if you have credit obligations, the other bank can refuse to issue funds. You can find a way out: to take in the same bank loan, and the other to block it last. For example, you take a car loan, and covered it with the consumer. The main thing - to compare interest rates and account managers that you want to do.
What NOT to do is contact theMicrofinance microloans centers or office. Typically, they seek to cover the monthly payment unit. But one payment will not solve the problem. What's more - you'll have in the next month and give them.
If you pressed "collectors" and the bankers, it hassense to turn to depressants. Usually, this professional lawyers who specialize in such lending operations. They will help to achieve a more "gentle" mode of repayment, and if anything will represent you in front of the bank in court.
But remember - the more profitable banks to pay you,than to spend time and money on court and collectors. So even if you were late a few payments, it makes sense to come to the bank and find a solution to the situation. The main thing, explain that you acknowledge the debt and are willing to pay. Then you should definitely go to meet him.