Tip 1: How to pay the mortgage faster

Mortgage - this is the only chance for many families to get AJ their own housing.Upon payment of this loan, you can save and, for example, when partially or fully repay its advance.
you need
  • - passport;
  • - money;
  • - credit agreement.
Guide
1
Find out under what conditions your bank provides for early repayment of mortgages.To get your copy of the contract with the financial institution.There will be a section dedicated to it prepaid money to the credit account.Follow the procedure given there.
2
If the contract does not say anything about it dosrochoe repayment or prohibited use changes in the Russian legislation.In autumn 2011, a special decree of the government gave people the opportunity to repay the loan ahead of schedule any.This interest shall be converted by the bank: people should not pay for the time until the money used.
3
Come to the bank with your passport and credit contract.Write a statement indicating how much you want to make ahead of time.The Bank has the r
ight to consider your application within one month, but can make the recalculation of interest and immediately.If you are not comfortable to come to the bank in person, send a statement registered letter with acknowledgment.So you can be sure that your message has been delivered.
4
Enter your credit score the desired amount.After that, in case of partial early repayment of the loan will get a new payment schedule in accordance with the recalculation of interest.The bank itself can decide whether to cut the loan term or monthly payments are reduced.With full repayment of the loan request a certificate stating that the debt is fully paid.This document is for you to ensure that the future you do not appear unfounded claims.
5
If the bank refuses to recalculate your interest on the loan due to its partial or full early repayment, you have the right to go to court.Rossiykie laws in this case will be on the side of the person who took the credit.

Tip 2: How to pay off your mortgage loan

Mortgage loan is a loan from the bank that issued the recipient mortgage for a certain amount of time.You can repay the loan money through a variety of ways, as loan can be paid to the bank early.
How to pay off your mortgage loan
you need
  • payment schedule.
Guide
1
First, note the conditions under which the bank has concluded the contract of mortgage loan IAOD.What percentage prescribed in the schedule of payments, what is the monthly payment amount on the basis of what method of calculation was carried out payments.For example, with a differentiated method of payment is necessary to produce different amounts on a monthly basis, and if authentic - the same amount.
2
Once you have on hand will be a document for a mortgage, you must decide how you will make money in the bank account.For example, you can transfer part of their wages.Alert the accounts that you have to pay the bank a certain amount, provide the necessary details, a copy of the contract and passport data, if the accountant is not.Thus, on the day of payment of wages, mortgage payments will be settled automatically.
3
If you do not see fit to report on the mortgage, you can make payments on their own, for example, through the bank loan tion card or directly to the cashier of the bank.In this case, keep all receipts for payment for the current billing period that did not arise in future disputes over payments.
4
There is still a way to repay the mortgage loan and - with the help of the parent capital.To use this right, you should contact the Department of Pension Fund of the Russian Federation at the place of residence, and to write a letter to the head of a request to transfer funds to the beneficiary, which in this case is a bank.As a rule, the money goes to pay the interest, and are transferred to the bank account within two months from the filing date.
5
You have the right to repay the mortgage loan ahead, just making the remaining amount to the account of the bank.Keep in mind that in the case of an authentic system for calculating such a possibility is not provided.
6
required to pay an amount per month, or per day of delay will accrue.After six months of non-payment the bank has the right to take you to court.It is fraught with deprivation of property and payment of penalties for late payment.

0
0