Today, people acquiring any product, be it a cell phone, refrigerator, car or apartment, are forced to make a loan. Get a loan is not much labor, because credit organizations issue loans to almost all, however, under great interest. But there are cases when documents on credit have already been prepared, the bank approved the application, and you want to abandon the loan.
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Even if a complete package of documents for registration of a loan is collected, one can refuse to enter into a loan agreement. After all, the obligations on the loan begin to act only since the signing of the loan agreement. At this stage, it is very easy to abandon the loan, there will be no obligations between the bank and the borrower. You can call the bank by phone and notify the refusal of oral form.
2
If the contract is already signed, but the money is not yet received, the refusal procedure becomes more difficult. To terminate the contract with the Bank, it is necessary to write a statement, while carefully checking the subscribers. The refusal to credit commitments is not at all in the interests of the bank. But it should be remembered that if the documents are signed, and the money is not yet listed by the borrower, such an agreement is considered invalid. In no case cannot go on the bank and to sign documents, which states that the cash has already been received. For termination of the contract no fee should not be taken. In the event that the Bank refuses to terminate the contract, the borrower has the right to apply to the court.
3
If an account is already open to the borrower, it is necessary to cancel it. If you open a bank card, you need to urgently write an application for refusal. Since the enrollment of funds to the bank card, the contract begins. Leaders for refusal of loans at this stage are mortgage loans and loans for the purchase of a car.
4
If the loan agreement is signed, and the cash by the borrower has already been obtained, it is almost impossible to abandon the loan. You can try to contact the bank and explain the situation, but should be prepared for the fact that the bank will not go on any concessions. The borrower in this case is already paying insurance in the amount of 1.5% of the total amount of the loan, and a certain percentage will already be paid to the first payment. The only acceptable option will repay the loan ahead of schedule. However, not all banks allow it to do to their customers. For early repayment of the loan, it is necessary to come to the bank with a statement and the desired amount of funds.
5
Recently, we have become practicing in the country "Cooling time" is a two-week period that is given by the borrower in order to resolve doubts and take the right decision. During this time, the borrower can carefully read all the terms of the contract, consult with lawyers. But "cooling time" practices very few banks, considering that two weeks are too much, and the client is most likely, during this time will change their mind or find hidden commissions in the contract. But in any case, the borrower will have to pay the percentage during the time he enjoyed a loan.
Customer attraction costs, a transaction design, bank borrowing data checks often include credit itself. Some banks provide commissions for consideration of applications, for re-consideration of a mortgage loan or revision of the loan already approved. Before you take a loan in a bank, you need to think well and weigh all "per" and "against".
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