Quite rapidly loans entered our main life. Every second Russian citizen at least once used such services. Some pay on time and pay off their debt in advance, others manage to delay or avoid payments altogether. Unscrupulous payers are most often blacklisted, but paying a loan is still a necessity. You can tell a bank specialist how to find out a loan debt.
Collateral Loan
Mortgage is a rather serious security loan. You can find out the loan debt using:
- Hotline.
- The Internet.
- Bank branches (loan specialist).
After the last payment, you must come to the bank and take a document that confirms that there is no loan debt. It is worth remembering about insurance, which is a prerequisite for obtaining a mortgage. Often the insurance period lasts longer for a couple of months from the main debt. The contract should prescribe the end date of this service. For your safety, it is better to contact the bank for a more accurate answer.
Then you need to appear in the department again. This is necessary in order to withdraw your property from the status of “pledge” and pick up a document proving the repayment of the loan.
Delay
If there is a delay, you should contact the bank as soon as possible to find out the loan debt. Only a specialist can verify such information. What is it for? To repay the loan debt should be using the personal account specified in the contract.
Many banks can pay a fine only using other accounts, which are marked on the main paper, but not registered.
After the debt to the bank on the loan is identified, only the bank employee can provide the details for repayment to you. To avoid incidents of this nature, it is necessary to pay the amount calculated each time a loan is issued.
Nonexistent loan
Lately, cases of credit fraud have become more frequent. For example, if a person did not apply for a loan, then there is a chance that debt hangs on him. You can find out the loan debt at the bank. With the appearance of such a problem, you should seriously think about it, because if it is not eliminated, the incident may increase.
What needs to be done to fix the problem:
- Head to the bank branch and find out in what ways the loan application was issued.
- Contact the police and provide a written statement.
- Check that the offender has been punished.
The main document confirming the relationship between the client and the bank is the contract. Such an agreement is made in writing. If you have any difficulties or need to see the loan debt, you can at the nearest branch of the bank where you made the loan. After you put your signature in the contract, you agreed to the rules of the lender, which must be followed. Therefore, before making a final decision, read the contract and make sure you agree with it or not.
Unexpected surprises
By paying the loan on time or early, the client automatically makes his credit history positive. If you contact the bank immediately after the last payment and find out the loan debt, then you can avoid unnecessary problems. But since it usually happens that, having paid, a person exhales deeply and with a smile on his face forgets about the closed debt.
But suddenly a written notice arrives or a phone call arrives that notifies you that you need to pay off the loan debt in a short time. You can check this information by calling the hotline. Explain by phone or send a response letter is meaningless.
How to get a loan back
Customers are different, and not everyone can pay payments on time. In the event that the loan is provided for a year or more, the borrower may simply not have time to close the debt until the next payment. When the payment is made late, the bank has the right to impose a fine on the borrower, which will be debited first of all next month. Before the next installment, the debtor may not have the full amount to repay, and again receives a new fine. As a result, debt accumulates like a snowball.
When the borrower activates the SMS notification service when applying for a loan, he is guaranteed to receive notifications, even if the payment deadline is 1 day overdue. Due to a technical malfunction, SMS may not reach the client.
Unintentional delay
Consider this situation, the borrower paid the loan in a timely manner, after which he changed his place of residence or agreed with the bank on the “loan vacation” action. During this period of time, the credited managed to allow a small delay.
In this situation, most likely, the collector will call you, not the bank. Do not aggressively respond to such a call, it is better to ask for advice on how to find out the loan debt and pay without serious losses. Follow the instructions that are provided to you, so you can get out of a bad web. The most important thing is not to accumulate a huge amount of debt, which can grow over time due to your carelessness and the initial small delay.
A way to find out the balance of payment or debt
In case of early repayment of the debt or after the last payment, it is usually necessary to find out the remaining amount, but how do you know the loan debt? Experts advise checking it with a trip to the bank. This method is the most accurate and guarantees a friendly atmosphere.
Personally visit the branch in which you previously credited. You must have an agreement and an identity document (passport) with you. Contact your loan officer for advice. A bank employee will provide the exact number of the debt and print out a certificate in which each payment is recorded on a monthly basis (its amount and day of payment). In addition, they should explain to you the reason for the fines and how they can be avoided. Not a very convenient option, but with personal contact you will be provided with accurate information.
Help phone and internet
By calling the hotline (you can find the number in the contract), you have the right to find out if there are any debts on loans. This concerns individuals in the first place, since no one will take care of this, except for themselves. By phoning, you can talk with different specialists and reach the management, but most likely you will be consulted in a standard way. In any case, the amount owed should be provided to you.
Log in using a password and login, after which you can find out the amount of debt. In today's world, the question of debt balance can be clarified using the Internet. Find on the pages of the World Wide Web the official website of the bank in which you took a loan.
If problems arise, it is worth using an online consultant who should be present on such sites. Using Skype or SMS, contact a living person and ask questions of interest. In the event that you are not satisfied with the answers or suspicions about inaccuracy of information appear, contact the bank directly.
How to check debt yourself
In addition to the above tips, you can check the status of the loan yourself: manually calculate using the contract and calculator.Only here the exact amount can be found only by personal appeal to the creditor. After calculating the number of debt yourself, remember that the amount will be approximate.
You can use an ATM, but not many people know how to find out loan debt using the terminal. To do this, you need a plastic card. When checking, the ATM will display the balance with a minus or the amount that needs to be paid off.
It is worth remembering that mainly interest on credit cards is credited at the beginning of each month for the past. Therefore, for complete certainty, it is better to check in the first days of another month whether the payment has passed or there are still a couple of rubles that need to be paid.
One of the more convenient services is an SMS request. At the time of sending the necessary data to the number that is prescribed in the contract, the bank in the form of a response sends the amount of debt that needs to be paid off.
Thus, the fastest and easiest way is using SMS, and for the most accurate answer it is better to personally contact the bank branch. Pay on time so that there are no problems with debt. Thus, you provide yourself with an excellent credit history, making it easier to take a loan next time.
