How to write a statement to the bank

If you decide to take a large loan, then you should be ready for force majeure circumstances. If the situation is such that you are not able to make the payment on time, you should not hide from banking workers. You have the right to contact the financial institution by writing a statement on the restructuring of a loan or deferment of debt payment, which is called credit holidays. In addition, you can ask for cancellation of fines.

An application to the bank can be composed in free form. After writing a bank employee must assign him a number. Also, the original and its copy will be certified.
An application for the provision of credit holidays, debt restructuring or penalties has the following structure:

FULL NAME;
Document's name;
Statement number;
Reasons for the appointment of credit holidays, restructuring or canceling fines and penny;
Please postpone loan payments (restructured debt, cancel fines) and promise to pay later than the established time;
Date;
Signature.

Application Blank You can download from us.

If you have no prosperity related to the timely payment of the loan, but your financial situation has become worse, you can apply for you to be installed in a vacation bank. However, before drawing up the document it is worth determining whether your case is serious. If yes, proceed to writing: a statement indicates the desired term of credit holidays - as a rule, 2-12 months. If the reasons are not respectful, then you should not be upset, because the holidays will get to buy. The cost of the service is 10% of the monthly payment on the loan. However, set minimum at the level of 1 thousand rubles. Vacations in this case are provided for 2 months.

If you just do not have time to go to the bank with an application for vacation credit, and financial institutions accrued penny, then write a statement of their cancellation. In drawing up the document, be sure to write the reasons why you made a late payment, and the bank did not warn of the impossibility to make timely payments. Of course, to cancel the fines must be weighty reasons.

If you do not fit the previous two options, you can not make payments on the loan on the old conditions, contact the bank with a request to restructure its debt. The statement was made by the emphasis on their life circumstances - for some reason you are unable to repay the loan as before. The application for restructuring apply such inquiry: dismissal, reduction of income, temporary disability from the hospital.

Now it is necessary to consider those valid reasons for which the bank is ready to go to a meeting:

Diseases caused by disability - temporary or permanent. Given the appropriate certificates from the hospital. You will also need a doctor's certificate.
The loss of a breadwinner, if the family has minor children. The application is submitted to the children's birth certificates. Do not forget a certificate of death of the breadwinner.
Loss of a job, if you have a copy of the work book.
The decrease in income, if one family member went on maternity leave (attach certificate).

An example of a completed application to the bank check on our website.

And finally, remember: in case of leave or transfer the date of issue is pointless to expect that the bank will take a condescending attitude, and write a statement is not necessary.