How to terminate the loan agreement

It is unlikely that the borrower when you make a loan agreement Read more what conditions are spelled out in the contract. Because of this there are problems after the first obligatory payment. Kreditozaemschik understands that refund such interest he can not afford. In such a situation it is better to terminate the agreement with the bank. Only there are small nuances in which it is possible to do.

The best method of termination of the transaction - agreement between the parties ( article 450 of the Civil Code of Russia), When the bank-lender does not mind. Just keep in mind that the payment of the debt you will not get free. May change the interest rate (reduced), the deadline for payment of debt (to extend), respectively, to slow down and the amount of payment. This is possible if the borrower lost a job.

It is not always so lucky, most banking institutions offer the customer rejection of such an agreement. Then we have to write enforceable claim to terminate the loan agreement to the judicial authority. Know that your claim is granted in the following circumstances:

When violations of the credit institution on the loan agreement. Example: The bank increased% -s' rate.
When the leading cause of a change in circumstances from the time when the parties signed the contract. For example: due to the loss of a job, the debtor may not perform duties to the financial institution.

You need to follow the procedure for submission of the application. Initially warn the bank of its intention 30 days before the court campaign. Gather all necessary acts, which are set out in article 132. That's right, make a claim for cancellation of the credit agreement.

The statement of claim is explained in detail, for whatever reason you wish to cancel an agreement with the lender. If you cancel the agreement through the fault of the lender, write some articles of the law have been violated.

Download here:

The judicial preliminary meeting is appointed after the expiration of five days, from the date of filing your application. If the ministers of the law will take your process to production, then there will be a trial, which will decide the outcome of the case.

Before you go to courts, it is better to apply to the creditor, you need to express your claims or complain to the impossibility of fulfilling the consent. In no case do not shy away from debt repayment. If it did not help, then contact the justice bodies.

Comments leave a comment

Dmitriy 01/03/2016 at 10:02.

Yesterday I made a loan to the TV without a fee for two years, the girl as always beautifully told everything, but did not call the interest rate that I just saw after a knocked check on the checkout. And this is more than 30%, I almost fell, and the TV that costs 29000r. , I will cost 56,000 rubles. It is 27,000 overpayments, but why do I need such a cart ??? what can be done ??? Yesterday I made a loan to the TV without a fee for two years, the girl as always beautifully told everything, but did not call the interest rate that I just saw after a knocked check on the checkout. And this is more than 30%, I almost fell, and the TV that costs 29000r. , I will cost 56,000 rubles. It is 27,000 overpayments, but why do I need such a cart ??? what can be done ??? Yesterday I made a loan to the TV without a fee for two years, the girl as always beautifully told everything, but did not call the interest rate that I just saw after a knocked check on the checkout. And this is more than 30%, I almost fell, and the TV that costs 29000r. , I will cost 56,000 rubles. It is 27,000 overpayments, but why do I need such a cart ??? what can be done ??? Yesterday I made a loan to the TV without a fee for two years, the girl as always beautifully told everything, but did not call the interest rate that I just saw after a knocked check on the checkout. And this is more than 30%, I almost fell, and the TV that costs 29000r. , I will cost 56,000 rubles. It is 27,000 overpayments, but why do I need such a cart ??? what can be done ???

To answer