Financier Pereslavsky on early termination of the loan: a conflict may arise quick loan closure. He told the Prime agency that in the event of a partial repayment, a conflict situation with the bank may arise.
At the same time, the financier recalled that no organization can prohibit closing the entire debt ahead of schedule.
“The fact is that quite often there are cases when banks either generally prohibit partially repaying a mortgage loan, or give the opportunity to make one or two payments, and this is usually fixed in the loan agreement,” he explained. >
Pereslavsky also gave advice on how to make such payments. According to him, the most profitable thing is to shorten the term of the loan, that is, to reduce it for the maximum possible period in one payment. The expert explained that together with the principal debt, the interest on the loan will be recalculated, and with the same monthly payment, the borrower will save a fairly large amount, Pereslavsky explains.
what purposes do Russians most often take on loans. Mortgage lending turned out to be the most popular in the country. For this purpose, 28.8 percent of respondents applied to banks. Another 20.4 percent receive a loan for the purchase of a car, 19.4 percent – for the purchase of a gadget and household appliances, 15.9 percent – for repairs. About 8.8 percent took out loans to pay off old debts. Least of all, Russians take loans for travel, health, help for relatives, training and organization of events (less than 10 percent).