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Thread: Personal сredit and сredit сard

                  
   
  1. #1

    Default Personal сredit and сredit сard

    Please help me determine how best to repay the loan and explain everything in more detail. Thank you for any help.

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    If the customer closes the loan in advance, the bank loses money on interest. Such actions are not beneficial for financial institutions. And the borrower, on the contrary, can shorten the term of the debt obligation, reduce the credit burden and save on overpayments. Before making a decision on early repayment of the debt, you should evaluate your financial capabilities. Contact the bank's specialist to choose the best option for cooperation and avoid undesirable consequences.

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    If you close a debt before the due date, you must follow these steps: send a free-form notification to the bank, indicating the amount and the term of early repayment. You can do this during a personal visit to the office or remotely, if the credit institution provides such an opportunity.
    Choose the type of repayment – with a reduction in the amount of the payment or the loan term. When making the full amount of the debt, first check its size with the bank manager. Deposit money to the account. It is recommended to repay the loan ahead of time in the numbers that the bank has set for each client.
    An employee of a financial institution must recalculate the loan within 5 working days. The results are communicated to the client via SMS, phone, or email.

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    Quote Originally Posted by mobazikin View Post
    If you close a debt before the due date, you must follow these steps: send a free-form notification to the bank, indicating the amount and the term of early repayment. You can do this during a personal visit to the office or remotely, if the credit institution provides such an opportunity. Choose the type of repayment – with a reduction in the amount of the payment or the loan term. When making the full amount of the debt, first check its size with the bank manager. Deposit money to the account. It is recommended to repay the loan ahead of time in the numbers that the bank has set for each client. An employee of a financial institution must recalculate the loan within 5 working days. The results are communicated to the client via SMS, phone, or email.


    Can I choose the method of repayment of the loan: annuity or differentiated? When was the last time I took out a loan for the construction of a swimming pool, the bank https://www.yhdistalaina.com/yhdistelylaina-kokemuksia/ explained to me that the annuity payment is a uniform monthly payment on the loan, including the amount of accrued interest on the loan and the amount of the principal debt. In case of differentiated payments, the entire amount of the principal debt is divided into equal parts and this part is paid monthly, plus the interest accrued on the balance of the principal debt. It sounded convincing, but I also want to clarify the pros and cons of each type of payment. Thanks.

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