Change the date of payment on a loan at a savings bank. Is it possible to postpone the date of payment of a loan at Sberbank
When applying for a loan at a financial institution, the borrower is confident in his abilities and is ready to pay debts on time. He fulfills obligations, transfers money, taking into account the payment schedule, and then a force majeure occurs, which does not allow transferring the next amount. There is another situation when a person receives a salary only 1-2 weeks after the "X-day". In such a situation, the only solution is to postpone the payment date. Below we will consider how the transfer of the date of payment on a loan in Sberbank takes place, on what conditions it happens, and whether such an opportunity is always beneficial.
What is the transfer of the payment date, and how often can you use the service
Transfer of the date of payment is a banking option that allows the borrower to shift the next day of transfer of funds to a date convenient for him. For example, if the borrower receives a salary on the 15th, and the bank has scheduled the payment on the 6th, you should use the transfer function and put a suitable number (for example, 20).
During the crediting period, it is allowed to use the service only once. If the bank agreed and postponed the payment date, the client will have to pay according to the new scheme, taking into account the changes made until the end of the term. The option is provided free of charge. It is available starting from the second month of the contract. The main condition is that the client of the banking institution does not have loan arrears at the time of the request.
How to reschedule a loan payment date
To achieve this goal, you need to come to one of the lender's offices and hand over the following package of papers:
- Credit agreement.
- Passport.
- Payment schedule.
- Receipts for the last period (must confirm the timely payment of funds).
It is worth considering that the postponement of the payment date is an option that banks go to if there are serious reasons for that (illness, job loss, childbirth, and so on). The registration process takes place according to the following algorithm:
- The client fills out an application in which he justifies his desire and attaches supporting papers (certificate from the hospital, birth certificate, copy of the employment agreement, and so on).
- The lender considers the appeal and within 5-10 days makes a decision whether to meet the client halfway or not. The likelihood of approval increases if the borrower has a positive credit history.
- An additional agreement is drawn up, which indicates the nuances of the transfer of the payment date.
- An updated schedule is generated and transmitted.
It is important for the borrower to remember that it takes a certain amount of time for the bank to consider the application and make a decision. This means that it is better not to delay the application.
What are the types of delays
After receiving the appeal, the bank has the right to offer the following solutions:
- Increase in the crediting period. In such a situation, the payment period is "stretched". It is worth considering that with this approach, the total amount of overpayment increases, but the financial burden decreases.
- Changing the order of payments. Another option is also possible - an individual schedule is drawn up, in which the monthly amount will be less. Edits can be made for a certain period (until financial problems are resolved) or until payments are complete.
- Restructuring. If the client, for a good reason, does not cope with the obligations and is late with payments, the bank will impose penalties. As a result, the situation is aggravated even more. To avoid further problems, it is worth contacting the lender, asking him to cancel the accrued fines and revise the loan conditions.
- Choosing a different type of loan. An alternative to postponing the payment date at Sberbank is the choice of another credit program.
Why the transfer of the payment date is required - the pros and cons
A person can apply to the bank to change the payment schedule for a number of reasons - problems at work, difficult life situation, illness, and so on. When it was not possible to raise money by the required date, there is only one way - to shift the day of the next repayment. The pluses of the option include:
- The ability to adjust the payment date to a convenient day for yourself.
- No risk of accumulating debt due to delays.
- You do not need to pay for changes.
Disadvantages:
- We'll have to readjust to the new payment scheme.
- Change is available only once. If circumstances change again, you will have to endure until the end of the loan term.
When rescheduling the due date could save the borrower
Before contacting a banking institution and writing the payment date, it is worth deciding the main question - whether such a step will save or not. As a rule, the service makes sense when it comes to a short-term problem. For example, a person was admitted to the hospital, but there is no one to pay the next amount according to the schedule. Another situation, which was mentioned above, is also possible, when the day of receipt of the salary and the date of the next payment do not coincide with each other.
When there is no point in postponing
There are situations in life when a simple deferral of the payment date does not get rid of:
- Loss of a job that brought in the main income. Here, the transfer of the payment date is unlikely to save.
- Birth of a child. When such circumstances occur, borrowers turn to the bank with a request for a long grace period - for a period of six to twelve months. It is possible for mortgage lending.
- Decrease in income. If any of the family members lost their jobs, the total ability to pay decreased. In such a situation, financial recovery takes time.
- Disease. In case of disability, problems arise with the payment of the loan, because the “lion's” share of funds is spent on the purchase of drugs. The solution to this problem is the revision of the terms of the loan.
In the cases discussed above, the exit is in a full deferral or credit restructuring.
How to transfer a payment on a mortgage and credit card
A mortgage is different from a consumer loan, because it provides a collateral in the form of an apartment or house. In addition, the agreement between the banking institution and the borrower is registered in the Regplat, and the pledged object is accounted for in Rosreestr. To postpone “day X”, an additional agreement is required and debt restructured. To do this, you need to collect a package of papers and confirm the relevance of the transfer of payment. After submitting the documentation, the bank considers the application within ten days and makes a decision.
As a rule, the cooperation scheme is as follows:
- Borrower appeal.
- Banking Institution Approval.
- Preparation of documentation for consideration by the parties.
- Conclusion of a new agreement.
- Repayment of old congestion.
- Cancellation of the previous agreement in the Regpalat and registration of a new agreement.
- Send one copy to a new banking institution.
In the case of a credit card, the situation is more complicated, because payments are tied to a grace period, and all transactions are recorded by a computer. The way out of the situation is getting a new loan from the bank and paying off the debt on the card. At the same time, it is not necessary to pay the entire amount - it is enough to make the minimum allowable payment.
Outcome
If the borrower has achieved a change in the payment date, he is required to fulfill obligations on time. As for the difference between the old and the new date, during this period the bank charges interest for the use of money. In this case, the period of validity of the contract is conditionally increased by the period between the previous and new dates.
Hello!
I have been a client of VTB24 Bank since October 2006. I have a consumer loan for 5 years, they took it to renovate a freshly bought apartment. They gave it to me quickly, without any problems, I was very pleased (branch in Shchelkovo).
I paid the loan regularly, on time, without any delays or delays.
Then the well-known crisis broke out. The company in which my husband worked was successfully closed, and my salary payment deadline changed. The date of repayment of the loan is 28, the period for payment of salary is up to the 10th of the next. months. In March, I did not manage to "intercept" the money before paycheck to repay the loan (600 dollars). This was my first loan delay.
On April 4, I made an overdue payment (for March) and paid off all penalties. On the same day, I wrote a statement to postpone the date of the loan payment. LOAN PAY I DO NOT REFUSE, INSTALLMENT, DISCOUNTS, etc. DO NOT ASK. Just SHIFT the payment date. It’s not a whim, it’s the circumstances. (Let me remind you that I have been repaying the loan for 2.5 years without delays.)
The girl who accepted my application warned that the term for consideration of the application is about a month, i.e. my next payment will still be on the 28th. But the payment on May 28 will already be postponed. With this hope, I left the walls of VTB, having voted for excellent service. Hurray for the "favorite" bank!
In April we re-borrowed from friends and relatives, repaid the next payment, sighed calmly, because they promised me at the bank that the payment date would be postponed.
On May 25, my husband went to our branch (Shchelkovo) to clarify whether the payment date was postponed. He was culturally replied that find out by calling the help desk, and their job is only to accept these applications, and they are not responsible for anything else.
I called Moscow, talked to the operator Ilya, he "nicely" sent me back to my homeland, that is, to Shchelkovo. Everything is polite and cultured. I'm calling in Shchelkovo. Again, everything is very cute: "Hello! What did you want? Speak faster, otherwise I have a client sitting here!" I try to explain the situation, give a different number, send a different number to the third, etc. After 2.5 hours, she just went berserk from ineffectual chimes. As a result, they gave me a Moscow number again!
The apotheosis of the next day was the statement of E.V. Meleeva. (head of the department of lending to individuals) that there are many like me, you just need to come and rewrite the application, because I do not remember the name of the employee who accepted this application. And the loan payment on the 28th must be made, otherwise my application will not be considered.
That is, if I don’t deposit money today, then I should not count on the transfer of the date. Everything for people!
In this regard, I have questions and conclusions:
1.2 months to process my application for the transfer of the due date - is this normal?
2. No one can clearly answer the state of my application.
3. If I re-write the application, do I have to wait another year?
4. The clumsiness of VTB24 and its employees is reflected in my credit history (and I also wanted to buy a house on a mortgage in the future).
Sorry for so long and lengthy ...
When Oksana was applying for a loan, a bank employee suggested that she independently choose a convenient date for the monthly payment and activate the Auto Payment service. Therefore, when after some time she received a letter about the accumulated debt and the fine for delay, she was very surprised. It turns out that the bank unilaterally changed the loan payment date, and her money came 10 days late according to the new schedule. For this delay, the bank charged interest. For several months, this amount reached 35 thousand rubles. Can Oksana insist on returning to the previous payment schedule, which is more convenient for her, and not pay interest?
Natalya Konyakhina, Director of the Retail Credit Products Department, SMP Bank
: “According to 353-FZ“ On consumer lending ”, the individual terms of the loan agreement indicate the number, size and frequency (period) of payments by the borrower under the consumer loan agreement. Thus, if the date of payments is clearly spelled out and the agreement is bilateral, then changing the date without signing an additional agreement was illegal.
If the individual terms of the contract spell out the procedure for determining the timing of payment of monthly payments, but a clear date is not spelled out, then it is possible that the client chose it on his own. However, in this case, the client must have a document (additional agreement, annex, etc.), which fixes the date of payment of the loan chosen by him. In addition, some financial institutions provide the ability to change the payment date as an additional service on a paid basis. In this case, a bilateral agreement must also be signed, which fixes the date chosen by the client. "
Vladimir Nabokov, expert of legal service 48Prav.ru and CreditSpores.rf: “The borrower is in a rather unpleasant but common situation. The loan payment date is one of the conditions agreed and included by the parties in the loan agreement, and the bank is not entitled to change it.
The ban on unilateral change in the terms of the obligation is enshrined in the Civil Code and applies to the legal relationship between the bank and the borrower. In addition, the provisions of the law on the protection of consumer rights apply to the loan agreement concluded by the bank with the citizen, according to which the terms of the agreement that infringe on the rights of the consumer are recognized as invalid. Most likely, the bank included in the terms of the loan agreement in advance its right to change its terms, but this directly contradicts the law.
Despite the prohibitions provided by law, the borrower signed a loan agreement with the above condition, and now, to protect his rights, he will have to take active steps: go to court with a statement of claim declaring the loan agreement partially invalid and recovering losses from the bank in the amount of the interest paid. Additionally, the borrower should file a claim to recover moral damage from the bank. The established court practice on such disputes gives the borrower great chances to satisfy his claims. "
Alexander Filonov, lawyer of the group of companies "Legal interests"
: “In this case, the truth is completely on Oksana's side. Yes, she may not pay interest and insist on a convenient payment schedule. It is even surprising that the bank acted so incorrectly in relation to the client and without taking into account the legislative norms.
Loan agreements concluded by the bank with citizens are agreements of adhesion, since their conditions are determined in standard forms and can be accepted by the consumer only by adhering to the proposed agreement as a whole (clause 1 of article 428 of the Civil Code of the Russian Federation). It is very important that such contracts cannot contain conditions that infringe on consumer rights in comparison with the provisions of the current legislation. Thus, even if the bank wrote in the agreement that it can unilaterally change the payment schedule, it is illegal, and Oksana can challenge this point.
According to the federal law "On consumer credit (loan)", the individual terms of the agreement are agreed upon by the lender and the borrower individually, including the frequency (timing) of the borrower's payments or the procedure for determining these payments.
And here is a very important moment for our situation. Part 16 of Article 5 of the Law establishes an exhaustive list of cases when the lender changes the terms of the consumer loan agreement unilaterally. The Bank has the right to unilaterally reduce the constant interest rate, reduce or cancel the fee for the provision of services provided for by the individual terms of the consumer loan agreement, reduce the amount of the forfeit (fine, penalty) or cancel it in whole or in part, set a period during which it will not be charged, or make a decision to refuse to charge a penalty, as well as to change the terms of the consumer loan agreement, provided that this does not entail the emergence of new or an increase in the amount of existing monetary obligations of the borrower. In this case, the lender, in accordance with the procedure established by the consumer loan agreement, is obliged to send the borrower a notice of changes in the terms of the consumer loan agreement, and in the event of a change in the amount of upcoming payments, also information on forthcoming payments and provide access to information on changes in the terms of the consumer loan agreement.
Thus, this rule of law stipulates that the lender can unilaterally change the terms of the agreement, but only in favor of the borrower, that is, improving his position.
At the same time, a unilateral change in the terms of the agreement, which subsequently may lead to a deterioration in the position of the borrower, is not allowed. Change is possible by additional agreement of the parties or in court. It is logical that changing the loan repayment schedule, transferring the payment date does not improve the position of the borrower. The maturity date of the loan can be tied to the advance, salary, and the transfer can create problems.
So if Oksana does not manage to resolve the issue with the bank in an amicable way, then I recommend that she contact Rospotrebnadzor or the court. She does not have to pay a penny of the interest accrued to her and has every right to repay the loan on the date that she originally chose. By bringing the case to court, the bank will lose much more - and this applies not only to material costs (you will have to reimburse the borrower's expenses for a lawyer, pay state fees, etc.), but also reputation costs. "
When receiving targeted and non-targeted loans, a loan agreement and a debt repayment schedule are always provided, which indicates the date until which payment of the principal and interest on the loan is required. In this publication, we will provide information on how to transfer the date of payment on a loan at Sberbank through Sberbank Online or at a branch of a banking organization, including credit cards and overdraft.
Is it possible to change the date of payment of a loan at Sberbank
When drawing up a loan agreement, in each case, the payment date is set, by which the client must pay part of the debt in the specified currency.
The financial company provides the opportunity to adjust the provisions of the contract:
- Payment dates on a convenient day for the borrower;
- The interval and amount of payment within the framework of the new credit schedule, when setting your schedule;
- Annual loan rate;
- The term for the loan and the period for repayment of payments - this is applied when refinancing, in this case 3-5 loans are included in one, and the money is paid on the new date. It is permissible to apply for restructuring when receiving a loan to buy an apartment or other property.
To edit the current provisions, you need:
- Head to the bank's office or immediately to the credit department to the responsible specialist. You can also apply for adjustments to the provisions using Sberbank online, but you cannot contact the Help Center by phone or email.
- Prepare an appropriate package of documents to be submitted for making a decision to the required credit department.
What needs to be prepared for the bank
To consider the application, you must provide a package of documents and indicate the reason for this need:
- The identity document of the applicant;
- Credit agreement, which indicates its number, date and other provisions;
- Loan repayment schedule;
- A petition that discloses the reason for adjusting the debt repayment schedule and justification, which is confirmed by a package of documents.
Here are the common reasons that clients provide as justification and what documents need to be prepared:
- Transferred the date of receipt of wages at the same place of employment. In this option, it is necessary to present a payroll, an extract with salary receipts, in which the dates of enrollment are visible.
- Change of place of employment. A copy of the work book with a corresponding note, an order from the place of work and an extract with wages are transferred. If the date falls on the beginning of the month, it is possible to ask the accounting department for a document confirming the date of the salary transfer.
- Decreased income. A statement of income is brought to the current account, and when transferring to another position, it is permissible to provide an entry from the employment.
- Client's illness. Provide all documents on temporary or permanent disability.
- Calling a client into the ranks of the Russian army. Submit a summons.
- Birth of a child. A birth certificate and sick leave for nursing are brought. It is possible to get a deferred payment.
- Other situations.
It should be noted that when providing the required package, the decision is made the next day, but when submitting an application on Friday or before the holidays, you need to find out about the decision on the first working day. There is a high probability of finding out about a positive answer, with the correct execution of all papers and in the absence of overdue payments for the entire period of loan repayment.
How to change the date of payment on a Sberbank credit card
In addition to ordinary credit offers, users willingly use both credit and debit cards, the latter make it possible to pay for goods and services without having cash. Each plastic card is serviced within a certain tariff plan, for a number of proposals there is a grace period when no interest is charged on receiving cash from the card, and after the appointed date, in the absence of funds on the account, a user fee is charged. If there are several installments on the card with different settlement dates, they can be combined into one if there is such a technical possibility.
As a rule, for loans, you can change the date of payment of the monthly payment, but for payment cards this procedure is not carried out, and therefore it will not be possible to execute a request for them. From such a situation, the solution will be to issue a new loan in any banking organization, receive credit funds and pay off the credit card debt with them, after which, in accordance with the payment schedule, monthly payments will be made under the new agreement.
We will provide detailed information on how to transfer the dates of payment on a loan in Sberbank.
Consumer loans
The procedure for consumer loans is quite easy:
If you have several loans from Sberbank or other banking organizations, they can be reissued, i.e. combine all debts into one, reduce the annual rate, adjust the date and amount of payment, and receive funds for any purpose.
Mortgage
We will determine whether it is possible to change the date of payment on a loan at Sberbank if the money is received for the purchase of real estate. We learned that such a procedure is not carried out with credit cards, since all transactions in the bank are carried out automatically, and for consumer loans this is a standard procedure, which is agreed by the management.
Changing the date for a mortgage loan can and is much more difficult, since in addition to the borrower and the banking organization, there are other participants - Rosreestr and the Registration Chamber, where you also need to go to reissue. The process of changing the date on a mortgage loan is called restructuring. This operation is permissible when changing the date of receipt of wages or change of place of work, leave to care for a child up to 1.5 or 3 years, conscription into the army, disability, if there is another reason, you should consult a bank employee.
To carry it out, you need to take the following steps:
Deciding on this issue may take longer than usual, so please be patient and wait for a response from the bank within a week.
Is it possible to postpone the payment date on a loan to VTB? This question may be relevant for many loan payers.
The terms of the grace period depend on the specific circumstances:
- type of loan;
- the presence or absence of overdue debts from the borrower;
- the reasons and the duration of the postponement.
How to change the payment schedule
Typically, a loan contract sets out a specific date for the monthly payment. For example, the contract states that the payment must be made at the same time: on the 5th of every month. Violation of this period entails certain sanctions.
In the event that the payer has changed jobs or the salary payment date has been changed, it is difficult to pay off the loan on time. In this situation, you need to ask the bank to change the loan repayment date.
This requires:
- apply to a financial institution with an application for the transfer of the loan payment;
- provide a supporting document on the change in the date of payment of wages (labor document or local act of the organization on the payment of wages).
As a rule, such minor movements in the date are allowed by banks without any problems.
A consumer loan is the most popular type of loan for individuals. To transfer payment for this type of debt obligation, you need to follow the algorithm:
- apply to the bank with an application;
- indicate and document the reason for the transfer of payment.
After that, the employee of the financial institution will make changes to the signed loan agreement.
How to transfer a mortgage payment
A mortgage is a special loan agreement, according to its terms, money is given on the security of real estate. Given that the mortgage agreement is registered with the Regpalat, after the bank approves the change in the payment date, a new agreement will be drawn up. This agreement must be submitted for registration to the Regpalat. Only then is the contract transferred to the bank.
How to transfer a credit card payment
You cannot transfer a payment from a card to another date using a regular application. The payment date is spelled out in a special program and tied to the card itself (such conditions are indicated on the Mir, Mastercard and Visa cards). In this regard, it is necessary to take a loan from a bank, pay off the debt on the card, and then issue a new loan by issuing another card, which will have a different number.
It is not necessary to pay off the debt in full. The cards have a minimum payment (usually 10 percent). Therefore, you can pay only this amount, and then deposit the rest.
Deferral of monthly payment VTB 24
In practice, a more serious situation may arise when, for example, for one month the client cannot make payments on the loan. The reasons can be different: illness, lack of work, another tragedy in the family.
In this case, one cannot simply not pay the loan, it is imperative to notify the bank about your difficulties. If there are good reasons, your payment deadline will most likely be rescheduled and will be fine.
How to transfer a payment in case of delay
In case of delay and inability to pay the loan in full, you must immediately contact the bank branch. If the delay is one month, the bank will charge a penalty (usually 10 percent of the monthly payment) and indicate the new date of payment. At the same time, the loan term will increase for this month.
The client can independently calculate the overpayment using a calculator. For example, a consumer has a car loan. His monthly payment is 20 thousand rubles. There are 11 months left to pay - until February. In case of delay by 1 month, the client will make one payment in the amount of 22 thousand, and the remaining 10 months will pay 20 thousand. But the loan will be closed not in February, but in March.
Reasons for deferred payment
For a credit institution to postpone, valid reasons are required. The table below provides a list of reasons that are considered to be significant and not valid for deferral.
Loan restructuring
There are times when it is possible to postpone the payment date only through restructuring. For example, a client is experiencing financial difficulties that appeared in March 2017 and it is impossible to quickly solve their problems. For example, he is fired from his job and cannot find a new one. Then the transfer is impossible.
In this case, the only option is debt restructuring. The bank enters into a new agreement with the client, according to which the procedure for paying interest on the loan is changed. Restructuring programs offer a lower monthly payment, but also a longer loan term. Often this service is paid at the bank.