How to obtain full information from the bank for a loan
Recently, quite a lot of talk about bank trick in consumer credit, the additional commissions and hidden charges, spur cost loans up to heaven. What do I do that, get a loan, not a "get to the money? Professional secrecy readers Izvestia reveal themselves bankers, they were told how to behave when they receive credit.
Rule number one: you should choose a loan with a bank, not enough room in the shopping store that offer. "Take care of credit needs in advance rather than at the time of purchase , - said Alexey Babkin, director of lending to individuals RosEvroBank . - order not to feel deceived, please read the terms of credit from several banks, choose one. If possible, read the draft loan agreement in advance. Check in the contract items and incomprehensible to you, armed with information, go for a loan ".
Next step - a careful examination of the treaty concluded between the bank and the borrower. Why is this necessary, explains the head of the department assess the financial condition of borrowers, the Bank "Moscow Capital" Elena Poluboyarinova. "In the face of fairly strong competition, banks are not interested to show the high interest rates , - she said. - Therefore, there are various commissions, which would eventually lead to higher credit limit. Sometimes the excess costs of borrowers on the loan is more by tens of percent compared to what promises to advertising. Therefore, when concluding the contract does not need to hurry, it is important vchitatsya in the details, ask a representative of the bank all your questions, ask him to make a detailed calculation of the monthly payments. This calculation must be documented as an annex to the treaty ".
If the bank does not offer a contract, and suggested that the only by filling the application for credit (as sometimes happens when you make a loan to any product or purchase), in the opinion of the Faith Chugunova, deputy director of the department of retail credit Guta-Bank , better refrain from this form of loan. "After all, in the event of any claims against the bank without a signed contract by both parties to resolve it would be almost impossible to , - warned it. - Addition, all that is purchased on credit, immediately becomes property buyer - just before paying the full amount of purchase is in the mortgage from the bank. Therefore, all documents - contracts of purchase, Title, etc. - should be handled to the buyer, not a bank ".
So, the bank selected, agreed to study - what next? "Ask as many questions related to the receipt and maintenance of credit" , - advised bankers. "Conduct yourself as if you are already in court , - jokes Igor Rozanov, head of analysis and pricing BIN-Bank . - But if seriously, the surest way to hedge - to ask as many questions and not to believe in the word, and watch the official documents ".
Ivaschenko According to Gregory, the chief of management services for private individuals the department for retail business Transkreditbank , in the first place must familiarize yourself with the basic conditions of credit, not only with the contract, but all the annexes as well as to clarify what additional services the bank and other companies will have to necessarily take credit, ask about the cost of these services.
Need to know the interest rate, credit period, the amounts of commissions (for the issuance of credit for maintaining the loan account), and their frequency of payment, the amount of other costs - such as insurance. In addition, the bank may charge a commission for withdrawing cash from an ATM, pay for goods and services in shops, for the transfer of funds from the loan account, etc.
Worth asking to calculate the final cost of the loan. Specify if it is possible to change the terms of the contract and tariff Bank unilaterally. If the monthly rate is declared, it was better to convert in a year. Often, when converting bet loses its appeal. Finally, it is necessary to require a detailed calculation of monthly payments and get on the loan repayment. "Borrower should be made clear which way possible to repay the loan: cash or cash, to know the addresses of offices where you can make a payment , - recommends Catherine Demygina, Vice-Chairman of the Board " Union ". - One must ask, is it possible that early repayment of the loan, whether with the penalties that would happen if a payment is overdue. Also specify what the rate will be converted funds, if repayment of foreign currency loan is made in rubles, and vice versa ".
Also advised the bankers to learn about all possible options for payment of the loan - in some banks to repay the loan can not only office but also through the Internet, ATM function receive cash, e-mail, offices of other banks. This should clarify whether the additional commission is charged for such transactions. "Some banks do not have a wide branch network, customers are faced with the problems of long waiting lists or the inconvenient location of points of payment , - says Sergey Kapustin, Head of the credit risk of bank" Revival ". - When repaying the loan through other banks will be charged a commission, which may be equivalent to an additional 2-7% per annum ".
All the information banks are required to provide. "All commissions and mandatory fees must be clearly displayed in the contract , - says Vera Chugunova. - If in addition the interest rate on the additional charges outlined in a general and vague, and their volumes -" in accordance with existing tariffs Bank, the contract should be required to annex, which would have all these payments have been itemized. If a bank flatly refused to explain in writing of additional payments on the loan and their quantities - better, perhaps, look for another bank ".
And finally, what to do if the bank tries to charge a commission, not specified in the contract? "If the terms of the loan agreement with all attachments and amendments, and the terms of the settlement services provided by the commissions, the pay certainly does not need" , - said Sergei Kozlov, head of the SDM-bank lending. However, as a rule, banks, writes off the Commission unilaterally. "If this happens, the most sensible - no scandals, and write a written statement in order to continue to have on hand a confirmation that you have challenged the actions of the bank" , - advises Igor Rozanov. To know the bank - in the case of a repetition of "guerrilla" action he will have to explain in court.
