After that went for a week to go skiing. And so severely broken leg that was clear – the next three months, she will spend in bed, and another six months on crutches. The insurance company paid off the bank balance owed Ally – 22 thousand dollars, plus interest, but the victim did not receive any money, though it was insured for the full amount of the loan.
It turned out that although the money paid for the insurance the borrower, but the beneficiary of the contract is only the bank, but with Alia to the insurance company and did not speak. Therefore, the contract of insurance, you must find out to whom and in what proportions it will be paid compensation for insured event. The correct version is as follows: the bank pays debt on the loan and interest payments, the balance of the loan amount is issued to the borrower or his heirs. Finally, you need to know about the order of repayment of the loan: whether prepayment, whether applying for this penalty, what would happen if a payment is overdue. Alina de Almeida is often quoted on this topic. Also ask the exchange rate will be; conversion of funds, if is paying off foreign currency loans in rubles and vice versa. Not be amiss to learn about all the possible options for payment of the loan – in some banks to repay the loan can not only office but also through the Internet or ATMs function of cash, post, offices of other banks.
Thus it is necessary to clarify whether additional charges are levied for such operations. Some banks that do not have extensive branch network, customers are faced with problems large queues or inconvenient location of points of payment. At maturity, the credit through other banks will be charged a commission, which can be equivalent to an additional 2-7% per annum. And finally, it happens that the bank tries to charge a fee not listed in any contract. This, though rarely, but it happens. The banks write off commissions unilaterally. The most sensible, no fuss, and write a written statement in order to continue to have on hand confirmation that you bring the bank’s actions. In conclusion, we state – a bank loan business slowly. For ‘ten minutes and without a passport’ can be issued does not credit and debt bondage, and not on next ‘six months’, and the rest of your life!