Details and features of obtaining a certificate of loan repayment
When the client pays the full amount of the loan and interest, the bank provides a document confirming that the loan has been repaid. This is an official documentary confirmation of the fulfillment of the client's agreed loan obligations. Some banks issue the document immediately. The rest - at the request of the borrower.
After paying the financial institution all the debts, it is imperative to require a document. Thus, the client will receive an official paper confirming the fulfillment of the approved obligations. Also, the certificate will protect against situations when a small amount remains after paying off the debt, which can turn into thousands.
Help is indispensable in the case when it is necessary to take the next loan. may be updated with a delay. When applying for a loan, it is enough to provide a document confirming the existence of loan repayment.
Mandatory elements: what the bank must register in the loan repayment certificate
In order for the document to not be invalidated in the future, you should make sure that the employee of the institution will fill it out correctly. Mandatory elements are the date of issue of the document and the presence of an individual number. Requires a bank seal and a signature of an employee whose position allows you to certify such documents.
In addition, the date of the last payment and the full amount of the loan must be entered in the certificate. A sample of the certificate can be viewed directly on the spot or in advance. To do this, just look at the completed form on the Internet. The client has the right to take a bank document at the time of repayment, and at any other time. In the event that the appeal is rejected, the client has the right to go to court.
The basis for this will be article 408 of the Civil Code of the Russian Federation. There is a high percentage of the likelihood that the court will side with the plaintiff. The document form is available in all financial institutions. To get a certificate from some Russian banks, a simple appeal is enough. For the rest, a statement will be required. The term for consideration of the request depends on the procedures in a particular institution.
How to get an official certificate of loan repayment. Cost in different banks
The document must be issued by a financial institution at the first request of the borrower. The conditions for obtaining in different banks differ significantly. Sometimes it is presented immediately after treatment. In some cases, this process can take up to several weeks. The exact term is not legally approved, and the number of days varies depending on the specifics of the bank's work. In the case when employees of the organization deliberately slow down the issuance of a certificate, the client can achieve what is required by contacting the authorities regulating the activities of banks.
This service can be provided for a fee and free of charge. Most often, the bank rules set a certain amount. For example, the financial giant Sberbank of Russia estimates the cost of the certificate at 250 rubles. Zenith - 50 rubles. And urgent registration will cost 150 rubles. You will need to pay 200 rubles. Raiffeisenbank, Alfa-Bank, like other structures, provide such services absolutely free of charge. For example, in Prombusinessbank you can get a document without additional expenses within a month from the moment of the last installment.
After the end of this period, the provision of securities becomes paid. The cost of services will be 500 rubles. The best solution is to require a certificate on the day the debt is closed. Discussions about the legality of the provision of paid services of this type have been going on for a long time, but there is no final legislative decision.
When concluding a loan agreement, most organizations prescribe the conditions for providing a certificate of loan repayment. The client signs the papers, confirming agreement with what was written. However, the situation is such that in fact, when concluding a contract, not many people notice such conditions. There is growing discontent among citizens about the additional services of banks.
In what situations a loan repayment certificate is irreplaceable
The media have repeatedly described conflicts between banks and their clients. Among them stood out those that related to the issuance of certificates of repayment of loans. The claims of borrowers were satisfied in court, which demanded the receipt of documents on the status of debts without additional fees. One of the most famous proceedings began in 2011. The plaintiff sued VTB 24 Bank.
The story began when the client demanded documents from the organization that the loan had been paid in full. They replied to the appeal that such a service is provided for money. The borrower tried in vain to prove to the bank employees the illegality of such claims. After another refusal, he turned to Rospotrebnadzor.
The decision was not in favor of the bank. The structure was obliged to issue such documents free of charge. In addition, a large fine was issued. The financial institution did not agree with this verdict and went to court. The decision was re-accepted by the plaintiff. The bank soon filed an appeal.
Throughout the process, according to clients, VTB24 continued to charge fees for issuing certificates. However, conditions have changed. Clients now have to pay for the receipt of urgent documents. The main reason for this approach to clients is the inability of the population to defend legal rights. This happens for various reasons, but it leads to the conclusion: banks make money on clients where it can be avoided.
To protect rights, it is enough to carefully study the papers on which the signature should be. If you do not want to get into a difficult situation when returning a loan to the bank, demand confirmation that you have fulfilled your obligations and the organization has no claims against you. Study the bank's policy in advance on special forums and websites. Read the reviews of customers who received and paid off the loan. This approach will save money and time.