How to write a statement to the bank

If you decide to take a large loan, then you should be ready for force majeure circumstances. If the situation is such that you are not able to make the payment on time, you should not hide from banking workers. You have the right to contact the financial institution by writing a statement on the restructuring of a loan or deferment of debt payment, which is called credit holidays. In addition, you can ask for cancellation of fines.

An application to the bank can be composed in free form. After writing a bank employee must assign him a number. Also, the original and its copy will be certified.
An application for the provision of credit holidays, debt restructuring or penalties has the following structure:

FULL NAME;
Document's name;
Statement number;
Reasons for the appointment of credit holidays, restructuring or canceling fines and penny;
Please postpone loan payments (restructured debt, cancel fines) and promise to pay later than the established time;
Date;
Signature.

Application Blank You can download from us.

If you have no prosperity related to the timely payment of the loan, but your financial situation has become worse, you can apply for you to be installed in a vacation bank. However, before drawing up the document it is worth determining whether your case is serious. If yes, proceed to writing: a statement indicates the desired term of credit holidays - as a rule, 2-12 months. If the reasons are not respectful, then you should not be upset, because the holidays will get to buy. The cost of the service is 10% of the monthly payment on the loan. However, set minimum at the level of 1 thousand rubles. Vacations in this case are provided for 2 months.

If you did not have time to contact the bank with a statement about credit holidays, and the financial institution accrued penny, then write a statement about their cancellation. When drawing up a document, it is necessary to write the reasons why you made a delay and did not warn the bank about the impossibility of making a timely payment. Of course, for cancellation of fines, the causes should be weighty.

If you do not fit the two previous options, you can not make credit contributions on old conditions, contact a bank to restructured debt. In a statement, make an emphasis on your life circumstances - why you are not able to pay a loan as before. To the Restructuring Application, attach such references: about dismissal, reducing income, temporary disability from the hospital.

Now it is worth considering the valid reasons for which the bank is ready to meet:

The disease that caused disability is temporary or permanent. With appropriate certificates from the hospital. You will also need a doctor's conclusion.
Loss of the breadwinner, if there are minor children in the family. The application is filed with the child's birth certificate. Do not forget the help of the death of the breadwinner.
Loss of work if there is a copy of the employment record.
Reducing income, if one family member went on maternity leave (attach a certificate).

An example of a filled statement to the bank Check out on our website.

And finally, remember: in the event of a vacation or transfer of the date of issue, it is impossible to count on the fact that the bank will take an indulgent position, and it is not worth writing a statement.