Advice 1: How to find the balance on the loan in the savings Bank

C introduction in our lives the possibility of lending we can afford many things, which previously could only dream of: buy property, build a house, travel to different countries to buy cars. But in order to use the credit and then, you need a good credit history of payments. To do this, we must clearly follow the payment schedule.
Money is like the expense.
You will need
  • Access to the office of Sberbank
  • ATM
  • Internet
Instruction
1
In order to know the balance on the loan, you can come into branch of the savings Bank with the documents proving your identity. You also need to bring a credit agreement, which will include the following information: your account number and contract number. With this information, you can get the remaining amount of the loan from any operator of the savings Bank.
2
Another way of getting information - using the ATM. If you have a card of Sberbank, which is tied to the account of the credit agreement, then this operation can be performed at the ATM. For this you need to insert the card into the ATM, enter your secret pin and select the on screen option to "pay the loan", and on the ATM screen there will appear information: recommended payment amount and your balance on the loan.
3
If you have the Internet and the connected service "Mobile Bank", then learn the remainder of the loan is very simple. Need to log on to the website of Sberbank, go to the "Sberbank Online" and log in to your personal account. The entrance to the office is performed using the list of passwords received at ATM or with a password in the SMS message to the phone number registered when you connect the Mobile Bank."
After entering your personal Cabinet choose section "Credits" and see in it the amount of the payment and the balance of your loan.
Note
Keep secret the pin code from the card in a safe place, and in any case do not write it on the card itself.
Useful advice
When the connected service "Mobile Bank" on your cell phone received text messages in any action with your account, it is very convenient.

Advice 2 : How to know how much owe the Bank

The debt to the Bank - not the most pleasant prospect for anyone. Indeed, in this case especially, there is a risk very much increase your debts. To give them still have, but the amount will be much more than you used. Therefore, the status of your loan you need to follow very carefully.
How to know how much owe the Bank
You will need
  • phone;
  • computer;
  • - a credit card.
Instruction
1
If you don't know exactly how much you have to pay its credit obligation. Or, for example, made a late payment, you will help the Bank itself. To do this, or personally, to come in office of your lender, or call. In the first case, to yourself you must have ID. This is to ensure that you could identify as a responsible borrower. In the second embodiment, the Bank employee will ask you first a few clarifying questions to make sure that it is talking is the person who took money in debt. It normally includes questions regarding personal data (surname, name, patronymic, date of birth) and key words (that you used when making the loan agreement). After verifying all data, the specialist Bank will issue you an official certificate about the sum of all payments made, balance owed and current payment. The whole procedure takes just a few minutes.
2
Another option to know the debt - the use of the Internet banking. It can help to obtain all necessary information either through mobile phone or through the computer. To pay the debt, by the way, also by using multimedia.
3
If you have a credit card, you can check debt simply downloading the card into a dedicated Bank terminal. In response to a query about the debt, you will be given a check, which will be painted in detail the amount of your debt to the financial institution.
Note
To avoid any with the Bank no problem, keep all your paid receipts until full repayment of the loan obligation, and get help that the account is closed. Thus, in controversial cases, it will be easy to prove their integrity.
Useful advice
Once you get all the necessary information from the Bank, reconcile it with your existing. If you get discrepancies, you need to go to the Bank and deal on the spot. In the future it will help you save a lot of time and effort.
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