The expert suggested how not to remain in debt to the bank after the loan is paid



Vladimir Shalaev, senior lawyer at BMS Law Firm, said that when the loan is fully repaid, it is necessary to close the credit account. He pointed out that not all banks do this automatically after debt repayment. According to him, if this is not done, then a fee will be charged for servicing the account, writes Prime.

Shalaev noted that today there is an opportunity to close an account in the online application. In the event that there is no such option, you must apply to the bank branch. He stressed that it is important to get a certificate from the bank, which indicates the absence of debt.

According to Shalaev, there are cases when debt obligations to the bank remain after the loan is repaid. They may be associated with the operation of additional banking products.

Also, according to him, debt is possible if the loan is repaid within the framework of enforcement proceedings. In this case, the bank accrues interest. He stated that, in addition to paying off debt and interest, in this situation it is necessary to pay off the amount that appeared in the process of court proceedings and enforcement proceedings.

Previously, Rambler reported that banks opposed disclosing to clients the reasons for refusals on loan applications.

Video of the day. Russians will be able to receive a pension in any EAEU country

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Vladimir Shalaev, senior lawyer at BMS Law Firm, said that when the loan is fully repaid, it is necessary to close the credit account. He pointed out that not all banks do this automatically after debt repayment. According to him, if this is not done, then a fee will be charged for servicing the account, writes Prime.

Shalaev noted that today there is an opportunity to close an account in the online application. In the event that there is no such option, you must apply to the bank branch. He stressed that it is important to get a certificate from the bank, which indicates the absence of debt.

According to Shalaev, there are cases when debt obligations to the bank remain after the loan is repaid. They may be associated with the operation of additional banking products.

Also, according to him, debt is possible if the loan is repaid within the framework of enforcement proceedings. In this case, the bank accrues interest. He stated that, in addition to paying off debt and interest, in this situation it is necessary to pay off the amount that appeared in the process of court proceedings and enforcement proceedings.

Previously, Rambler reported that banks opposed disclosing to clients the reasons for refusals on loan applications.

Video of the day. Russians will be able to receive a pension in any EAEU country

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Vladimir Shalaev, senior lawyer at BMS Law Firm, said that when the loan is fully repaid, it is necessary to close the credit account. He pointed out that not all banks do this automatically after debt repayment. According to him, if this is not done, then a fee will be charged for servicing the account, writes Prime.

Shalaev noted that today there is an opportunity to close an account in the online application. In the event that there is no such option, you must apply to the bank branch. He stressed that it is important to get a certificate from the bank, which indicates the absence of debt.

According to Shalaev, there are cases when debt obligations to the bank remain after the loan is repaid. They may be associated with the operation of additional banking products.

Also, according to him, debt is possible if the loan is repaid within the framework of enforcement proceedings. In this case, the bank accrues interest. He stated that, in addition to paying off debt and interest, in this situation it is necessary to pay off the amount that appeared in the process of court proceedings and enforcement proceedings.

Previously, Rambler reported that banks opposed disclosing to clients the reasons for refusals on loan applications.

Video of the day. Russians will be able to receive a pension in any EAEU country




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