Where and how to get a certificate of loan repayment - features and recommendations
Having paid the loan in full, the client receives a receipt. If you have all the documents for depositing funds, then you can only calculate the amount of the payment and make a comparison with the contractual obligations. But there are times when the amount of the debt in the final calculation differs from the amount prescribed in the contract. The borrower has the right to demand a document confirming the payment of the debt (Article 408 of the Civil Code of the Russian Federation). How to get a certificate of loan repayment is described in the article.
Reasons for having debt
The client, having paid the required amount, is usually sure that the debt has been paid in full, but it happens that this is not the case. The reasons for the appearance of an unpaid balance may be different:
- In situations where debt is paid using terminals, transfers from other banks or payment systems, funds are received for several days, which causes a difference in the amounts for the final payment.
- Often, in addition to paying the main part of the loan and interest, the bank writes off commissions for transferring money. Then the funds credited to pay the debt are not enough for the final settlement, and a delay will appear in the loan, in addition, fines will be charged.
- Additional services are connected to credit cards: SMS notification, receipt of statements, service. Commissions are debited automatically, which the client can forget about, but the account will continue to work. There may be a need for a written refusal to reissue a credit card, the costs of which are also carried out thanks to the credit account.
- In case of early payment, difficulties may arise in the timing of crediting money to pay the debt.
- Inattentiveness of bank employees, technical failures in software when paying small amounts are often observed.
Such situations lead not only to additional spending, but also to damage to your credit history, which will take time to improve. Therefore, after paying the debt, you need to familiarize yourself with how to get a certificate of loan repayment.
When do I need a certificate?
A certificate of full loan repayment is required:
- For the client's confidence that he has no debt in a particular credit institution.
- In the event of disputes with the bank, going to court, which will be confirmation of the full payment of the debt.
- If you need to quickly apply for a loan in another bank, when information about the payment of the debt from the BCH has not been received.
In these cases, it is imperative to know how to get a certificate or a loan statement from the bank. The presence of paper will allow to resolve many disputes that may arise between the parties. You should also find out where to get a certificate of full loan repayment. After all, some banks provide it only at the branch, while others can send it by mail.
Registration
How to get a certificate of loan repayment? The procedure for issuing this paper in each institution is carried out in different ways. In some credit institutions, a written request for the issuance of a document is required, but often this is done on the verbal request of the client.
The deadlines for issuing certificates of closing a loan are different: they can be provided on the day of application ("OTP Bank") or within a week from the moment of a written request (at Sberbank, "VTB 24"). The maximum is set at 2 months. Possible tariffs for issuing a certificate - 100-600 rubles. Alfa-Bank and Sovcombank provide this service free of charge.
How to get a certificate of loan repayment if the entire debt has been paid? It is necessary to write a statement where the full name is indicated. customer, contract number, date of last payment of debt and date of submission. The requirement specifies legislative documents: the Civil Code of the Russian Federation, instructions of the Central Bank of the Russian Federation No. 153-I, art. 8, 10 of the Law "On Protection of Consumer Rights". The client must sign and decipher the full name.
Where can I get a certificate of loan repayment? The client needs to contact the branch of the bank where the loan was issued, or call by phone. A loan repayment certificate, a sample of which is presented in the article, can be ordered at any time. There are no specific deadlines in the law. But some credit institutions impose restrictions on the free issuance of this paper.
Some banks provide the certificate free of charge for a month, but after that this service costs 300-500 rubles. There are rates for urgency, Zenit Bank charges 50 rubles for this. Unscrupulous institutions delay the issuance of a certificate or completely refuse to issue it. Then the client has the right to draw up a written request for the submission of a document in 2 copies and hand over his copy to the authorized employee against his signature. The request must be entered in a special journal, and a number is assigned to it. Such actions are needed to be able to file a complaint with the Central Bank or the court.
Help form
There is no officially established sample of the certificate; each bank has its own form. But there are still mandatory requirements:
- It is required to indicate the dates of discharge and provision of information.
- You must indicate the full name of the credit institution, payment and postal details, contact information.
- The certificate contains a link to the number and date of the contract, full name. borrower, loan amount.
- It is important to have a wording about the full payment of the debt.
- At the end, the signature of the responsible employee and the seal of the bank must be put.
The document is presented on a letterhead. In this case, there may be no printing. If the form is ordinary, then printing is required without fail. The request to close the account does not need to be recorded, since it is closed automatically after full payment. Credit cards are an exception. For them, it is necessary that the certificate includes information about the closure of the account, otherwise the card may be reissued thanks to credit funds, and interest will be charged on it. The certificate can be submitted in person or sent by mail.
Who is eligible to receive?
Those who took part in the loan granting transaction can get help. These include:
- The borrower. If there are co-borrowers in the agreement, then each of them has the right to request a paper.
- Guarantor. He is jointly and severally liable with the borrower to pay the debt, so he can submit a request for a certificate, even if it was issued to the main client.
- The pledger, if property that belongs to a third party has been pledged. It is important for him to know about the removal of encumbrances under the pledge agreement, so he can request a certificate and originals for the property.
Debt payment control is needed at the time of obtaining a loan secured by real estate in order to timely remove the encumbrance. Otherwise, no deals will be possible. This procedure can take up to 30 days, so it is advisable to prepare documents on time, including a certificate of payment of the debt.
Early payment
If the client wished to deposit funds ahead of schedule to pay off the debt, then he needs to find out from the bank's specialists the balance for a specific date and pay it. This is often the reason for the appearance of unpaid debts and putting them out in arrears. Each credit institution has requirements for early repayment of the loan, which must be taken into account when obtaining a certificate:
- The loan agreement may provide for a ban on early payment for a certain period. Therefore, whatever amount is deposited into the account, the repayment is done on a schedule basis. It turns out that you have to pay interest. The certificate can be issued only after the end of the moratorium or the payment of the debt.
- The loan agreement may contain a note stating that early payment is allowed only on the date of the next payment. In this case, it does not matter when the client deposited funds, the withdrawal will be on the date set by the schedule. Only after that it will be possible to get a certificate.
- Under the agreement, early payment can be provided only after the application of the borrower. Therefore, it is not enough just to deposit funds. With the onset of the deadline, the debt is written off in the amount based on the schedule. Therefore, before making a request, you need to draw up a statement.
- With early payment, it will be possible to save on insurance of the car, life and health of the client.
To be sure of the termination of credit relations with the bank, the following rules must be observed:
- Retain receipts until full refund and help received.
- It should be borne in mind that depositing money into an account and paying off a debt are different dates that may coincide or differ by months.
- The certificate must be requested after payment, so that in the future there will be no disputes.
- In case of early payment, you need not only to find out the balance, but also to clarify the date when the write-off will take place, and request a certificate for this number.
- The limitation period for loan repayment is 3 years. Therefore, during this time, you need to keep documents, including a certificate of full payment.
Outcome
Ordering a certificate will allow you to avoid controversial situations, so it must be received without fail. This is the legal right of all customers, and banks have no right to refuse it.