Rus Articles Journal

Ways of repayment of the credit

From first month of use of the credit the borrower is obliged to pay percent for the credit and gradually to repay it (according to the duties concluded in the credit agreement. Payment for the credit receipt of funds, according to the schedule of payments, into the account specified by the creditor is considered. Generally the creditor demands an exact amount of payment (to within kopek) to schedule of payments. In the credit agreement, as a rule, makes a reservation that incorrectly transferred amount can be returned into the account of the borrower. But observance of this requirement does not mean that it is necessary to bring monthly in bank the sum to within kopek.

standard payment methods Exist:

1. Money transfer from the personal account opened for you in bank where you obtained a mortgage loan, into the account specified by the creditor.

the Account is yours therefore you can store any sum on this account and dispose of it at discretion. It is desirable to have on the account at least a small stock of funds for a case of change of a bank tariff and other a swagger - a major.

the authorized representative can Recharge for you. It is necessary to specify in bank whether the power of attorney is required on this case and in what form it is made out.

If the bank has branches and additional offices (including in other cities), then you can fill up the account through these branches. Procedure of replenishment of means in this case should be specified in bank.

can Recharge both by cash deposit of means, and by a wire transfer (as a rule, through accounts department of the enterprise see item 2).

the Most important point: only you therefore it is expedient to leave the long-term order on write-off of funds from your account in favor of repayment of the credit can dispose of the account. It is desirable that at this order it was specified a minimum of concrete information (the most acceptable formulation “on the basis of the register, the provided creditor“, or “to make write-off on the basis of conditions of the credit agreement and schedule of payments“). Otherwise you should watch constantly compliance of the order on write-off of the current situation and to rewrite it at change of requisites of the creditor, at early repayment and other situations.

you Watch that on the account there were enough means not only for write-off of payments on the credit, but also for write-off of the commission of bank for the translation. As the bank first of all writes off the commission, and then makes a transfer, from - for shortages of several rubles you can “earn“ delay on the credit.

2. Money transfer through accounts department of firm - the employer (borrower).

It is the most convenient way of money transfer, especially for owners of business and an administrative board of the company. In principle, the accounts department has no right to refuse to you to translate your salary according to your application for the requisites specified by you. If all this occurs, then the most correct way to write the application with the indication of requisites for transfer and to sign it at the head then the accounts department will have to execute the order of the management.

Transferring funds through accounts department, you save both time, and money as even if expenses will ask to compensate you for money transfer (that is improbable), the tariff for money transfer between legal entities is significantly lower, than between the natural and legal entity. Besides, you will also save time of staff of bank as reception of cash rather labor-consuming procedure.

can make a Transfer or into the account specified by the creditor (if you have a credit in rubles), or on the personal account. It is necessary to specify the sum to within kopek in the first case. The text of the payment order should be specified in bank and to provide a sample in accounts department of the enterprise. Besides, specify the term of transfer of funds for the account of the creditor (it is recommended to transfer funds on 1 - 2 day before the end of the payment period).

If means are transferred by

to your personal account in bank, it is necessary to leave as it was stated above, the long-term application for autoconverting (that is on machine translation of the rubles which arrived into the account in currency) and the long-term order on money transfer on account of repayment of the credit. In some banks issuing the credits in foreign currency the combined long-term application for the translation and autoconverting is applied. The amount of payment in this case has to be “with a stock“.

3. Payment with use of modern IT - technologies (on the Internet, with use of plastic cards, etc.) .

This way only begins to develop, but at large volume of payments banks will be interested in improvement of service for acceptance of payments. It is visible on the example of acceptance of payments for the mobile phone than more consumers of similar service, especially perfect is a service. Existence of similar opportunities of payment should be specified in bank where you make repayment of the credit. It is possible that such payment method to you will be offered in other bank, but to the creditor it is generally unimportant from what bank and how you make repayment. The main thing that payment came into the account specified by the creditor to the required time.

4. Some banks recommend payment through post offices of communication. But for this purpose the bank has to have an official contract with mail. This payment method is less convenient, than described above.

5. Payment through Sberbank branches of the Russian Federation is possible, but it is the most expensive type of payment as the Sberbank takes 3% of an amount of payment for transfers.



All bank operations are paid therefore it is necessary to specify how many this or that operation will cost. As it was already noted, the ruble translation is much cheaper than a transfer of currency (the payment for the ruble translation in bank can be symbolical 5 - 10 rubles, can make 50 - 70 rubles, and it can be carried out free of charge).

the Transfer of currency is slightly more expensive (though within one bank can be free too).

at the same time bank puts this tariff in a course of conversion of currency that is especially notable if you receive a salary in rubles and are forced to buy monthly currency on an intra bank rate.

Any money transfer takes with

time. In one bank or a bank branch transfer of means is possible to the day even if you came to bank before the closing. In all other cases the rule works: the means which arrived in the first half of day are carried out by the present day, arrived in the evening next day. Besides, if you make a transfer in other bank, then it is better to take still a stock on 1 - 2 day. Does not interest the creditor when you deposited funds for the personal account, to it it is important that they arrived in time into its account so if it does not happen, to you according to terms of the contract a penalty fee will be added.

the Personal account opened in any bank is your “property“ as well as all means, on it being. On any money transfer including on account of repayment of the credit, you have to leave orders in the form established by bank. Otherwise, even in the presence at you means on the account, the bank will not be able to make write-off of means on account of repayment of the credit, and payment on the credit will be considered as not executed.

the Bank has certain business hours with natural persons. Learn the schedule of bank and also in what time in bank there is less turn. If the working hours of bank, then, perhaps are most important for you, the creditor will advise you to what bank it is better to address. In many banks for repayment of the credits so-called evening cash desks where it is possible to come after the termination of the working day open and to make repayment of the credit.

Now the system of repayment of the credits only develops therefore the creditor will take into consideration your wishes and recommendations about options of repayment of the credit.