How to abandon credit insurance

Decision take creditAs a rule, it is accepted when the family budget suffers from a lack of money. Credits are different: consumer, automotive, mortgage, etc. For each loan type, the company providing loan, Provides different types of insurance. And each borrower before or after receiving the loan set question – Is it possible to abandon the insurance?

Most importantly, when refusing a lending insurance policy – This is a careful study of documentation. credit contracts and consultation with credit Manager for all controversial issues during signing. If the contract is not written that the interest rate on the loan in the absence of the insurance policy will be increased, then the refusal of credit insurance is not influence No consequences for borrower. Bank can not without knowledge borrower Change the interest rate of the loan.

Sometimes in the Bank's contract indicates the time interval after which maybe Termination of the insurance contract, even after the signing of the documentation. Approximate time, after which the termination of insurance is possible - 3 months. This applies to health and title insurance insurance (loss of property rights). But it is impossible to refuse the property pledge insurance.

For refusal needed by saying sore Desire to the credit manager, fill out the form of failure to fail. After registration and consideration of documents by the Commission, the Bank Provides a borrowernew payment schedule without account Insurance contributions.

If Bank employees insist on the preservation of the insurance contract, it is possible to require legislative confirmation of this Type of insurance.

There is a practice when banks go to meet borrowers. If credit history borrowercheekriznennaand no delays with payments, as well as a loan is issued enough long ago and for quite a big amount, then the bank it has the ability toestablish the borrower the right to refuse insurance, but subject to increasing the loan rate.

If The loan agreement provides for the possibility of refusing insurance loan, and the bank refuses to satisfy the requirements borrower By cancellation insurance, then the contract insurance may be Terminate in court. At the same time, it is necessary to make a complaint with the Bank's management on the refusal and the return of the entire amount or part of the safety facility. Curl her Standing in the bank. With the necessary package of documents (certified claim, and sK S T.fucked) you can go to court and Rospotrebnadzor.

Life and Health Insurance – This is a voluntary procedure, when imposing a client can refuse to lending to the bank. Mortgage assumesunconditionalinsurance not only borrower, but also the subject of pledge for all types of risks and for your check. Car loans are not legally regulated, which indicates the possibility of full refusal to pay for insurance policy. When taking a loan, do not save time spent on the choice of a borrowing bank, save your money that will go to pay the loan and related commissions.