Pay a mortgage, and the debt to the bank is in place? Tired of overpaying a high percentage for credit housing? Perhaps it will be advisable to contact the bank and try to reduce the interest rate. In our article you will find effective tips, how to do it and what is needed for this.
The reasons for which the percentage may reduce
When the client took a mortgage in the bank, he should pay the exact amount specified in the loan agreement monthly. But, if the amount has not been lifting and every month to pay a loan has become more difficult, it is necessary to contact the bank for help. You should not delay and inactivate, so you not only lose your housing, but will forever spoil the credit history and you will no longer be able to take a mortgage in any bank of the country. The bank can make concessions and reduce the percentage if the borrower:
- went to the urgent service in the army;
- fell ill, suffered from an accident, became disabled;
- went on maternity leave;
- became unemployed;
- the monthly salary decreased by 50% of the credit application specified in the credit application;
- you are a member of special government programs.
Requirements for the borrower
Each Bank has individual requirements for the borrower, if the person complies with, the financial organization may decide to revise the interest rate. If you decide to contact the bank for help, a positive answer client will wait if:
- there was no overdue and penalties on a loan agreement;
- mortgage for more than a year (if you only issued a loan and want to reduce the percentage on it, the bank will refuse a bank in the request);
- you did not apply to the bank for restructuring and approved it to you;
- mortgage debt must exceed half a million rubles.
Methods for changing interest rates
There are several ways to change the interest rate. First of all, it is necessary to refer to the credit specialist of a particular bank and find out what exactly it prefers to work with. The most popular ways are:
- submitting an application for a decrease in interest rates directly to the bank (this is the most loyal way, the bank independently decides to go to the client for concessions or not if you want to reduce the percentage due to the decline in wages, it is necessary to provide a certificate of income, if for health reasons Hospital help).
- mortgage restructuring (if you cannot pay a loan, even after the bank reduced the interest rate on the client's application, then you can make restructuring, you can increase the credit period or delay the payment, but take into account the moment that this method will significantly affect the credit history in a bad side);
- ship-proceedings (if the Bank put the interest rate above, which is indicated in the contract, the interest and penalties hid from you and penalties, then you need to go to court, by the court decision you can reduce the interest rate and eliminate the fines that the bank has exposed illegally).
Always consider the fact that each bank is a separate financial organization. Some banks do not go to the concessions of the client to reduce interest rates, as it is spelled out in the contract. Before taking a mortgage, appreciate your financial opportunities, and the content of the loan agreement is better to discuss with an independent lawyer.
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