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Early repayment of the loan may result in sanctions
Borrowers were warned about the sanctions for early repayment of the loan. Not every bank complies with the legislation in terms of allowing the client to repay the loan before the end of the term.
According to the agency "Prime" With reference to Alexey Gavrishev, managing partner of AVG Legal, since 2011, credit institutions in Russia are obliged to provide the right to early repayment of loans without additional payments or commissions. If the clause on early repayment of the debt is absent in the agreement, then the borrower must notify the bank of his decision to repay the loan early 30 days in advance. Banks have no right to refuse a client this.
According to experts, if bank employees refuse to accept such an application, it is necessary to demand a refusal in writing. If the bank fined for early repayment of the loan, the client has the right to challenge this by writing a statement demanding the return of the amount of the fine, referring to Article 809 of the Civil Code of the Russian Federation.
Gavrishev advises to go to court if the bank's management did not meet halfway. After the loan is repaid, it is necessary to obtain a document confirming this with the signature of the responsible officer and a seal.
Earlier it was reported that loans for large purchases ready to take almost 30% of the inhabitants of Russia. About 47% of Russians believe that lending and refinancing rates will remain unchanged this year. Slightly less than a third expect an increase in rates on retail loans, almost every fourth is sure that loans will continue to fall in price.