Everyone can become a debtor to the bank if they are negligent in their banking services. Unfortunately, this applies not only to loans, but also to other banking services. Every person should know about the tricks in the banking sector, so as not to deprive their money and not remain in debt.
Even if you repaid the loan, then in a year there may be fines and penalties
You make the last payment under your loan agreement and think that everything is over - the loan has been fully repaid and all loan obligations have been fulfilled before the bank. Only it is far from being a fact that in six months or even a year you may receive a call from the bank and demand to pay a fine for a late payment.
On the account, 5, 7 rubles or even 2 kopecks may be outstanding. For you and for a bank employee, this is an insignificant amount, but then it turns 100% into large charges in the form of fines and penalties. The bank will, of course, announce this at the last moment.
Therefore, be vigilant when paying for loans, especially when paying off the last payment.
New job, but old bank card blocked
Promotional video:
Now it is almost impossible to find a job where the "white" salary is given in cash. This only happens in extreme cases. Basically, most companies and entrepreneurs have switched to transferring salaries directly to a bank account.
Very often, when an employee leaves the old workplace and gets a new job, he draws up a new salary card at the bank. Old as unnecessary is forgotten or thrown away altogether. Everything would be fine, but after a while a decent minus can appear on the old card.
So why is this happening?
The bank may charge a fee for servicing a client card. When a person does not use a card, he does not see the real state of affairs. And the bank can withdraw money for servicing every month. The result is debt and further interest and fines.
It is because of this that, when changing jobs, close the old card legally. Come to the bank branch and close the card. After closing, the problem will definitely not be there.
New conditions, and you are not aware
Now this happens very rarely, but everyone needs to know and remember about it. A financial institution (Bank) can change the terms of the loan agreement unilaterally, without notifying the client. The reason is the ambiguous definition in the Law on Banks and Banking Activities.
In such cases, if your bank decided to change the conditions, you should feel free to go to court. Rospotrebnadzor will also take your side. Refer to the Consumer Protection Law.
Small interest on a loan - big pitfalls
At first glance, small amounts seem to be used everywhere. Banks are no exception to these rules. To get more clients and make money on them, banks on every corner can scream about the lowest interest on the loan. But is it really so?
Most likely, the lowest percentage hides numerous additional conditions. The average loan rate in many banks is 15%. One of the banks offers loans with an interest rate of only 5%. Of course, most people will go to the second bank. But there is one big "BUT" - the commission for services is 2% monthly. There may be another addition.
As a result, you will pay at the "lowest" rate of 27% per annum. Where it is more profitable and does not smell at all.
Therefore, do not trust the advertising promises and the "most" profitable ones. More often than not, they hide far from profitable offers. Read the loan agreement thoughtfully and look at additional services. If you see something suspicious, think again - is it worth taking a loan from this bank or using its other services.
The loan was repaid ahead of schedule, but the debt remained
When you take out a loan, the bank expects to receive a certain amount for using their money for a certain time. If a person decides to pay off the debt ahead of schedule, then the bank will not receive money for the rest of the period. That is why early repayment is unprofitable for financial institutions. This is where they start to create problems. If you repaid the loan payment ahead of schedule, and the debt still remains, solve the problems.
It is for this case that there is a legal method - the decision of the Supreme Arbitration Court.
Many financial institutions and other companies will not refuse to make extra money, not to mention the hidden conditions. Therefore, you need to carefully read the loan agreement.