How to change the payment schedule
Schedule changes for several reasons. For example, the contract specified that to make a payment on the loan you have 8 numbers. If your salary is charged to 5th, no problems with payment you will not have. But you went to work in another organization, and the salary is now credited to your account on the 12th. Payment of the loan of the 8th, in accordance with the contract, you may be uncomfortable or impossible. You need to change the schedule of payments, then there is no delinquency on the loan, your credit history will not suffer.
Ask your Bank to change the payment schedule. It is necessary to visit a Bank and write a statement. The Bank may ask you to indicate the reasons for transfer payments and to provide proof of your words. If you change the date of payment of wages, you must provide a certificate from the accounting Department of the enterprise. Speaking at the Bank about changing jobs, show a copy of the workbook.
Writing a statement of the repayment schedule, wait for a response from the Bank. If you have shown yourself to be a responsible borrower, the Bank will meet you. You must consider that changing the terms of the agreement, the Bank has the right to take a Commission that can reach several tens of thousands rubles, if we are talking about a large amount of the loan.
In addition, you will have to pay the accrued interest for the period between the old date and new. Let's say the Bank accepts a positive for the borrower the decision. In this case, you need to apply to the loan agreement additional agreement. If you have a mortgage, you need to register it in the state organs.
You should pay attention
To postpone the date of payment on the loans issued in cash, and consumer loans. It's not time-consuming. As for the mortgage, then to change the date of payment, it is necessary to amend the mortgage. But this is a complex and lengthy process. Few banks will go to such things.
It should be noted that credit card to change the date of monthly payment is not possible – will have to pay when specified in the contract. We should not forget that after you change the dates of the payment schedule will also change. The employees of the Bank shall provide a new schedule. In order to avoid problems with the Bank, it is necessary to have on hand copies of all documents.
If the Bank refuses to amend the credit agreement, you may request refinancing of the loan. You should not be late. Refinancing will allow you to change the parameters of the loan – to shorten or stretch it in time to change the date or reduce the monthly payment.