The borrower's memo on consumer credit

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The borrower's memo on consumer credit

Сообщение HainanWel.com(e)! » 05 мар 2017, 21:55

I. The decision to obtain consumer credit is a responsible decision

A consumer loan is a loan provided by a bank to purchase goods (works, services) for personal, domestic and other non-production needs.

The receipt of a loan implies the obligation to return the principal amount of the debt (the amount that was received from the bank) in the terms established by the loan agreement and pay interest for using the loan.

Often, the terms of the loan agreement also require the implementation of other payments related to the receipt and repayment of a loan in favor of the bank (commission for consideration of documents for obtaining a loan, opening and maintaining a bank account, making money transfers, etc.), as well as in The use of third parties (payments related to insurance, collateral, transfer of funds through the liaison offices or other banks, etc.).

If any payments provided for by the loan agreement are not made or are not made in time and / or not in full, the bank may be required to pay a penalty (penalty, penalty). The right of the bank to make such a claim, as a rule, is stated in the loan agreement.

Before making a decision to receive a consumer loan, assess your needs for obtaining it, as well as the opportunities for its timely servicing (repayment), that is, how much money you can actually pay based on your budget to pay all due payments on the loan.

II. Carefully study all information about the loan and its terms of service (repayment)

In order to make a decision on obtaining a consumer loan, one should obtain from the bank's employees exhaustive information about the conditions under which lending is carried out, including all payments for obtaining a loan and its servicing (repayment) without exception.

Remember! Your right to receive a timely (before the conclusion of a loan agreement), necessary and reliable information is secured by federal legislation (Article 10 of the Law of the Russian Federation "On Protection of Consumer Rights", Article 30 of the Federal Law "On Banks and Banking" *). This information includes: the amount of the loan, the repayment schedule, the total cost of the loan in percent per annum (the calculation of the full cost of the loan includes your loan payments related to the conclusion and execution of the loan agreement, including payments to third parties, Defined in the loan agreement).

Carefully study the terms of the loan. Pay attention to the references contained in them to the rates of bank services. Ask and study the information about these rates from the bank's employees.

The adoption of the best solution can be facilitated by studying the proposals of several banks issuing consumer loans. The information obtained will allow you to compare offers on consumer loans from different banks.

III. Carefully study the loan agreement and other documents

Do not hurry to sign documents. Before signing the loan agreement, carefully study it. To this end, if possible, take the loan agreement home, study its terms more carefully establishing your obligations (obligations, responsibilities), make sure that the loan agreement does not contain conditions that you do not know about or whose meaning is not clear to you.

If any loan terms are not clear to you, ask for clarifications and relevant documents from the bank's employees, specify the questions you are interested in. If you have not received the necessary clarification, it is better to postpone the decision to obtain a loan. We also recommend reporting this fact in _______________________________________ (the name of the territorial institution of the Bank of Russia is indicated) to the address: _______________________________________ (the address of the territorial institution of the Bank of Russia is indicated). Your information will help improve the quality of supervision of banks and improve their performance.

Leaving in the bank an application for a loan, note that such a statement can be your proposal (offer) to enter into a loan agreement on the terms provided by this application. Acceptance (acceptance) by the bank of this application will mean the conclusion of a loan agreement without further notice to you about this fact.

Having carefully studied the loan agreement, once again weigh all the pros and cons of obtaining a loan, calmly assess your ability to timely return the loan and pay all the payments due.
IV. The signing of a loan agreement is the most important stage

Remember! By signing the loan agreement (application-offer), you agree with all of its terms and assume obligations for their implementation, including the return in due time of the principal amount and the payment of all due payments, for failure to perform (improperly executed) which the bank will be Have the right to file a suit with a court.

Sign the loan agreement (other bank documents) only if you are sure that all of its terms are clear to you, you precisely represent what payments and when you will need to make, and you are convinced that you can do it.
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