Taking a loan, you have to be prepared for the fact that you will have to return the amount is much bigger. In the amount that we have to return over the amount of the loan, a considerable percentage is insurance. Do not everyone know that you can refuse from credit insurance.
1
Filling an application for credit, you need to carefully read all points. Usually the most important thing is printed in such a small font, which is quite possible and not to notice the approval that the loan does not affect your consent or disagreement to pay for insurance. Why is this item so tried? Yes, because for the financial institution, your refusal is very undesirable, so you will try so that you agree. You need this item not to miss and put a tick opposite the point confirming the failure of insurance.
2
Some banks for the sake of strengthening their safety do not discern fraud. They skill these ticks. Therefore, in order to really do not pay insurance, impose near: "I refuse insurance." Remember, the law is on your side.
3
If you are only after they signed up the contract, noticed that they are still obliged to pay, then do not lower your hands. The presence of the Internet will allow you to familiarize yourself with the Bank Insurance Rules, which gave you a loan, and an insurance company. There must definitely stipulate the possibility of termination of the contract and return funds.
4
Some companies return insurance, at least part of it if the loan is repaid early. If you are dealing with such a company, take the help that you have exercised a loan ahead of time, attach a statement to it, where to specify your details and send these documents there.
5
In the event that your statement is left without attention, or you returned a very small part of what the court assumes will help. The question is solved positively even when the rules do not provide for the return of the loan amount.
Thus, your financial literacy will help preserve the funds and facilitate the terms of the loan.
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