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Application for restructuring a loan to Sberbank. Sample application for restructuring a loan to Sberbank

Today it is difficult to find a person who has not used the lending service at least once. The real estate and motor transport market dictates tough conditions and it is very difficult to accumulate the necessary amount to buy the desired apartment or car. Since such loans are taken for more than one year and it is difficult to predict what will happen in a couple of years, there is a concept of “restructuring” in the financial sector.

Loan restructuring is a re-registration or revision of the main provisions in the agreement between the lender and the borrower. This process is carried out to optimize loan repayment in cases where the borrower has a difficult financial situation and does not have time to repay the debt on time.

In restructuring, a person pays only a certain percentage of their loan for some time. All this is done to reduce the financial burden on the borrower.

Unfortunately, not everyone can get a "loan holiday". If your salary has decreased for any reason, the bank is unlikely to agree to change the terms of the loan. But in any case, you have the legal right to write an application for restructuring a loan at Sberbank.

Reasons for applying:

You have been made redundant.
You have changed jobs.
Maternity leave.
Loss of a breadwinner.
Getting an injury that contributed to disability.

The bank has the right to refuse restructuring if you took out a loan to buy things that are not included in the category of mandatory. In this case, the creditor may offer to sell some of the purchased items and the money received to cover the debt. This function is used in Sberbank. But if you took out a mortgage to buy an apartment and cannot pay it off, the bank will take all measures to optimize the payment.

Types of loan restructuring

Sberbank postpones the payment of the principal amount and offers to pay only a certain percentage for a certain period of time. If you have a consumer loan, then the grace period is up to a maximum of one year. With a mortgage loan, three is given.
To pay off a debt, a credit consultant creates a personal schedule strictly for the client, which takes into account all his income.
It is possible to renegotiate the contract on more favorable terms.
Increasing the prolongation of loan repayment. In this case, the monthly fee will become less, but the loan itself increases in time.

In some cases, the bank completely removes all fines and penalties accrued for late payment of monthly payments.

An important element in the restructuring procedure is a written application with a request to change aspects of the loan repayment agreement. This document is considered official and on its basis Sberbank considers the client's request and makes a decision.

As a rule, such a statement is written specifically at the bank branch, where the borrower describes in detail the problem of timely solvency and, together with the consultant, selects an affordable monthly fee.

In turn, Sberbank posted a sample of this statement on its official website with a download link. This option is very convenient and helps to save time for the client and the manager.

If for some reason the client cannot download a sample application for loan restructuring at Sberbank, he has the right to draw up this document on his own, referring to certain generally accepted rules.

This application, together with papers that confirm the reason for your insolvency, must be sent by registered mail to the bank branch where the loan was taken.

Main aspects of the application

Serial number and date of the contract.
The total amount of the loan.
The date of the first loan repayment.
Repayment method.
Paid amount.
Balance owed.
The exact date of the last payment.
Date of first delay.
Detailed description of the reason for termination of payments.
Providing all relevant documents of your financial predicament.
Desired amount of the monthly loan repayment at the time of application.

When making an application, you should pay attention to the following:

Make sure the bank provides a loan restructuring option. This can be done on the official website using an online assistant or by writing an email to a credit institution.
If the bank provides the option to download the application and fill it out at home, be sure to check that the application example is up to date. It's all checked on the official website.
Before submitting a request for restructuring, it is useful to find out for what reasons you can generally receive a deferred payment. Sberbank provides it to those clients who were fired, drafted into the army, due to a serious illness, injuries that led to disability, maternity leave, or loss of additional income. Other reasons are not considered sufficient weight to revise the loan agreement.
If your reason matches one of the above, describe it clearly and in detail. Relevant documents are a mandatory application. Depending on the situation, this may be a summons from the military registration and enlistment office, a certificate of wage reduction, a dismissal document, a certificate from a clinic, an extract from a personal hospital card, etc.
Since restructuring is a complex process and is not carried out at the first request of the client, think carefully about the method of debt repayment that is convenient for you. This may be an increase in the loan term and, accordingly, a decrease in the monthly payment, a revision of the amount of interest payments and loan holidays.

If your application is accepted, a Sberbank specialist will create an additional package of documents, which will specify all the new aspects of the payment.

Restructuring a debt on a loan at Sberbank is a change in the terms of a loan agreement between the borrower and the bank. The revision of the contract can take place by issuing a new document or drawing up an additional annex to the old one. This service allows you to find the best solution for the client to repay the debt in the event of a deterioration in his financial situation, due to which he cannot pay monthly payments according to the current schedule.

Sberbank pursues a policy that involves a personal approach to each borrower in a particular situation.

Since the modern population of Russia is highly indebted, most debts may become overdue. To prevent this, Sberbank almost always goes to meet borrowers who are unable to fulfill their obligations to a banking institution on time. In this case, he is ready to offer to restructure the remaining debt on a loan taken for consumer needs or on a mortgage loan. But here the main condition is the absence of a current delay under the contract. Let us consider in more detail how the restructuring is carried out in the largest bank in the country.

What is restructuring and when can it be done?

Restructuring, as mentioned above, is the revision of the terms of the loan agreement, which makes it easier for the borrower to repay the debt. This service can be provided to those who took out a loan and could not repay it due to financial difficulties.

If you have lost a source of permanent income, do not delay, but contact the banking institution that issued you the loan in a timely manner, even before the formation of an overdue debt. This will allow you to carry out the restructuring procedure. The bank makes such concessions quite often, as it is interested in returning its funds without legal costs and proceedings, even though for this it has to change the terms and conditions for repaying the debt.

It is thanks to the restructuring that you will be able to lighten your credit burden, which means you will be able to gradually pay off the bank. In addition, it is worth noting that carrying out such a procedure will allow you to prevent the deterioration of CI and the accrual of penalties.

Despite the fact that the bank, as it seems at first glance, makes concessions to you, it still acts in its own interests.

Due to the restructuring, there is an increase in the total term for repayment of borrowed funds, which means that the total amount that you have to pay along with interest to the bank also increases.

That is why in such a situation, it is best for you to try to speed up the repayment of the loan, in order to avoid a large overpayment.

Conditions for granting restructuring in Sberbank

Restructuring in Sberbank is possible only in the event of really serious problems. The bank includes:

job loss through no fault of the borrower;
health problems resulting in permanent or temporary loss of working capacity;
military service;
the appearance of a child;
serious illness of the next of kin, documented;
non-fulfillment of its direct obligations under the loan by the co-borrower.

How to restructure a loan at Sberbank?

To carry out restructuring at Sberbank, you, as a borrower, will need to seek advice from a bank employee at the office where the loan agreement was drawn up. In this department, you will be asked to write a statement according to the model, where you will be asked to report in detail on all the reasons that prompted the changes in the terms of the contract.

The application must be completed:

number and date of conclusion of the contract;
principal debt, taking into account insurance accruals and additional services connected to the contract;
the amount of debt paid;
the balance of the debt;
date of the last payment already paid;
the date of the first delay, if any;
the reasons for the termination of payments.

In addition, you will need a package of documentation confirming the problem of making payments on the loan. The application must also indicate the desired conditions that are convenient for further repayment of the debt. Among them, you can write such as reducing the monthly payment, lowering the interest rate, increasing the loan repayment period, providing a deferment for a certain period. In addition, if you have a Sberbank salary card, then it is also better to indicate this point in advance when filling out the application.

Be sure to write the application in two copies. Don't forget to attach receipts confirming the payment of monthly payments. And also add to them papers proving a change in your financial situation for the worse.

What restructuring options exist at Sberbank?

As a rule, Sberbank considers applications for restructuring within 2-5 banking days, after which it reports its response to the borrower. If a positive decision is made on the application, the bank can offer the client one of the following options for repaying the debt:

"Credit holidays". This service involves the payment of only interest under the agreement within a certain period of time set by the bank.
An increase in the term of payments on a loan with a corresponding decrease in the amount of payment. A loan for consumer needs can be extended for 3-5 years, and a mortgage loan - for 10 years or more. For an extended loan term, Sberbank accrues interest, and divides the entire amount of the debt into equal payments according to the new payment schedule. Thus, the monthly payment becomes more comfortable for the client, but at the same time the size of the total overpayment increases significantly.
Reducing the interest rate on the loan to the minimum possible.
Forgiveness of accrued penalties, due to which the borrower cannot start paying the loan again according to the old schedule.

In some situations, restructuring involves a complete revision of the payment schedule. For example, on certain dates, the bank allows you to make payments of different amounts. However, it is important to understand here that Sberbank considers each application for restructuring exclusively on an individual basis, taking into account the IC and the characteristics of the borrower.

Dear Clients!

PJSC Sberbank offers individuals who are temporarily experiencing financial difficulties in servicing their loan obligations to take advantage of the opportunity to restructure their debt.

How to restructure a loan at Sberbank?

Very often, the media talk about loan restructuring or Sberbank loan holidays. Loan restructuring is the revision of agreements between the bank and borrowers, or the execution of annexes to the main agreements. These actions are carried out in order to find the optimal solution for the repayment of loans by borrowers if their financial situation has deteriorated, as a result of which they cannot repay loans according to previously established schedules.

Credit holidays in Sberbank

"Credit holidays" is the restructuring of a loan at Sberbank, in which the borrower pays only interest on the loan for some time, which reduces the financial burden on their budget. Such a procedure can be carried out in almost all Russian commercial banks.

Reasons for restructuring may include:

A significant decrease in income (loss of work, change in wage conditions, etc.)
Conscription / military service in the army
Leave to care for a child up to 1.5 years / 3 years
Disability

Who should restructure a loan?

Any borrower who feels a change in their financial situation for the worse will not be hindered by a loan restructuring, as a result of which the credit burden on the budget may decrease. But not all clients of Sberbank of Russia can count on this operation.

The financial situation of the client may worsen due to various reasons, and loans may be different. If the client is dismissed or transferred to a lower paid position at will, the bank may refuse to restructure the loan. In the case when the change in credit capacity was not due to the will of the client, but due to his reduction from work, in connection with an injury and retirement due to disability, in connection with a forced transfer to another job, going on maternity leave, in case of loss of a breadwinner and other, not dependent on the desire of the borrower, the bank may consider such reasons valid for restructuring. In the event of changes with the spouse of the borrower, you can also ask the bank to restructure the loan, since there has been a financial change in the family.

When a client of Sberbank draws up several, and purchases items on them that are not sufficiently necessary, the bank may refuse to restructure. In this case, you may be offered to sell some of the purchased items, and with the funds received, pay off the loan debt. The same applies to . If the client does not have enough funds to buy a new car, the bank will offer him to sell this car. And only if the car is needed for work, changes in the terms of the loan can be approved by the bank.

When, if the borrower does not have other housing, the bank will not offer to sell it and will make a concession to the client by changing his credit conditions.

Restructuring Options

Changing the loan currency(Loan in foreign currency can be converted into rubles)
Increase in the total loan term(Reducing the amount of the monthly payment by increasing the total term of the loan)
Grace period(Temporary reduction in the amount of the monthly payment due to the provision of a deferral for repayment of the loan and interest)

Loan debt restructuring

There are different ways to voluntarily resolve the current difficult financial situation between the borrower and the bank.

Sberbank offers to receive a deferral of payment of the main loan. In this case, the borrower is allowed to pay only the loan interest for a certain period of time. The terms of such deferrals should not exceed 1 year if the loan is consumer, and 3 years if the loan is mortgage. This delay is called a credit holiday.
The Bank draws up personal schedules for repayment of loans, in which it takes into account the seasonality of income (in the case of taking a loan for the development of private household plots).
The bank may re-register the loan agreement with the provision of more favorable terms than the lower interest rate may be.
Also, Sberbank can extend (prolongation) the loan repayment period. In this case, the loan is stretched over a long period, and as a result, the monthly payment is reduced. To calculate the amount of monthly payments, use.

It happens that Sberbank is restructuring a loan, and all existing fines and penalties accrued for late payments are cancelled.

How to restructure debt?

Submit an application and the required package of documents
The bank will analyze the possibility of restructuring (taking into account all the conditions) and inform about the decision
Sign documents on loan restructuring (in case of a positive decision)

Application for loan restructuring

To restructure a debt on a loan, you need to come to the office where you received the loan and write a statement indicating the reason that led to the financial problem. The application must be submitted to the review commission along with confirming the change in your financial situation. Such documents include:

Employment book with a record of dismissal entered into it.
Certificate of temporary disability.
Certificate of loss of a breadwinner.
Certificate of maternity leave.
Certificate of income (Form 2-NDFL).
Notice of conscription into the ranks of the Russian Armed Forces.

Do not forget that the restructuring of debt on credit obligations differs from the fact that its execution is possible only at the bank issuing the loan. We do not recommend that you delay contacting the bank to revise the loan agreement there, wait for delays in payments and the accrual of penalties. Like its borrowers, Sberbank is interested in the solution of any problems being safely resolved, as a result of which it tries to meet the needs of its borrowers in providing loan restructuring.

Apply for a loan restructuring at Sberbank

You can apply for a loan restructuring at Sberbank on the special page of Sberbank at: https://dr.activebc.ru/ or simply by clicking on the button below.

You can only apply for the restructuring of an existing loan. You can't do this with credit cards. After you leave a request on the site, a bank employee will contact you and, after discussing all the details, will find a compromise to solve the problem and continue further mutually beneficial cooperation.

It is difficult to imagine a modern person without credit obligations. These are the realities of the present time. Loans are used to purchase household appliances, apartments, cars, and so on. No one is immune from situations in which the borrower is temporarily unable to repay the loan. The only way out is the restructuring of credit debt.

Options for restructuring a loan at Sberbank

Sberbank clients who have taken out a loan and at the same time find themselves in a difficult financial situation can count on a revision of the loan terms. The only way out is.

The bank can choose one of four debt restructuring methods:

Postpone principal payments

On average, it is one year, for mortgages - two years. That is, during the agreed period, the borrower pays only interest, therefore, the amount of the monthly payment decreases, and the overpayment does not increase.

Refuse penalties

In this case, there is no change to the contract. The bank simply does not collect the accrued fines from the client.

Extend loan term

There is a so-called "stretching" of the loan, which allows you to reduce the amount of payment per month. Although the overpayment eventually increases, the monthly financial burden decreases. A consumer-type loan, as a rule, increases up to three years, a mortgage - up to ten.

Individual approach to the payment schedule

In fact, changes are made to the payment schedule. What can change? Payment date, sequence of payments (first of all, the borrower pays the fines, then the interest, and only then the principal debt). Borrowers with seasonal work are offered a special option for distributing payments - during the season their payments increase, during the calm period they decrease. Perhaps the annuity type of the chart will change to a differentiated one.

How to restructure a debt on a loan at Sberbank

As soon as it became clear that the financial situation does not allow to comply with credit obligations, one should not wait for the application of penalties.

What needs to be done:

To write an application to change the terms of the loan agreement.

Download form

Depending on the reason that influenced the situation, collect documents confirming the fact of a decrease in income:

Help 2-NDFL or use a bank form.
Employment book (you can extract where the mark of dismissal is fixed or there is a record reflecting the change of job).
A copy of the order (agreement) on the reduction of wages.
Certificate issued by the labor exchange.
Bank statement from salary account.
tax return.
In case of disability, you can not do without medical certificates and conclusions.

Contact the bank and provide the collected package of documents.
You may need to fill out a form , which allows bank employees to make a preliminary analysis of data on restructuring.

It remains only to wait for the decision of the bank.

Application for loan restructuring

_______________________________

_______________________________
_______________________________
_______________________________

"__" _______201__ between me, ______________________________ and _________________________________________________________________, a Loan agreement No. ______ dated "__" ______ was concluded on the following terms: loan amount ______________________________________ rubles,
(in words)
for a period of _______________,
deadline for the final repayment of the loan ___ ______ 2016__, interest rate on the loan ____________________________________ percent per annum,
(in words)
intended use: __________________________________________.
Since __ _____ 201__, there has been a deterioration in my financial situation associated with ___________________________________________________
____________________________________________________________
(specify the reason in detail)
as a result of which I became / a unemployed.
Copies of supporting documents are attached to the letter.
Throughout the term of the Loan Agreement, all payments were paid to the Bank in a timely manner. Totally paid to the Bank:
___________________________________________________________.
(specify amount)
Based on the above, I ask you to restructure the debt under the loan agreement No. _________ dated __ _____ 201__, and consider the possibility of:
1. provide a vacation for 2 months;
2. reduce the interest rate;
3. prolong the amount of the principal debt for a period of ______ years, changing the final loan repayment period.
4.___________________________________________________________
(indicate the amount you can pay and how often)
If the financial situation improves, I will repay the loan earlier than the extended period.
_______________________________ signature (as in the passport)
"___" ______ 201__
I ask you to send the answer to the address: ________, st. ______________, house __, kv. ___ or report by phone: +7___________

The application is written in two copies, one for each party.

Copies of documents confirming financial difficulties are attached to the letter.

Service guide Sberbank Online

If it so happened that the life circumstances of a person who took a loan from Sberbank have changed, and the financial situation has become difficult, he can write an application for restructuring a loan at Sberbank. According to statistics, Sberbank does not refuse to provide this service to its clients, but, on the contrary, advises its clients to trust the bank.

Reasons for restructuring a loan at Sberbank

Today, all Sberbank clients can exercise the right to restructure their debt, but approval is possible in the following cases:

in case of loss of the main place of work;
with a decrease in the borrower's salary or other financial changes that are not for the better;
when replenishing the family, which entailed considerable costs;
full or partial loss of working capacity of the borrower or someone from his family;
other reasons that entail a new item of expenditure that did not exist at the time of signing the contract.

When is a loan deferral allowed?

Having found himself in a difficult situation, it is better for the borrower to write an application to Sberbank for debt restructuring, rather than trying to solve this problem on their own.

Thanks to the application, the client of Sberbank will receive a deferred payment or he will have the opportunity to make some adjustments to the existing loan agreement. If this is not done on time, then the borrower will have, in addition to the debt on the loan, also accrued fines and penalties, which can negatively affect the client's credit history.

As a rule, Sberbank always meets its customers halfway, as it is more interested in the return of funds than anyone else. For example, when replenishing the borrower's family, a financial institution gives a deferral of loan payments for one year, thus easing the financial burden on the borrower.

Application form for loan restructuring in Sberbank

A sample of writing an application for restructuring can be found on the bank's website. Its sample has no distinctive features from the samples of other financial institutions. But you should pay attention to the fact that the application must be written by the borrower with his own hand, and the co-borrower, if any, must also sign his signature. It should indicate the change in all parameters and the date from which everything happened.

The peculiarity of filling out an application for restructuring a loan at Sberbank

A Sberbank client may ask in an application for the following:

reduce the amount of the mandatory payment;
change the frequency of payments from monthly payment to quarterly or annual;
ask for a replacement form of security.

The last paragraph can be used if real estate can be used as security or guarantee. This will significantly affect some of the previously established conditions, for example, it may affect the interest rate on the loan, which, thanks to the collateral, can become more attractive. You should also indicate if there was a need to sell or exchange vehicles so as not to violate legal norms.

A separate item can indicate the fact of deprivation of the guarantor, when the guarantor refuses to be such, or vice versa, if it becomes possible to attract a new guarantor, this is a positive point. If the loan was originally issued with a guarantor, and the borrower decided to apply for loan restructuring, then he must notify the guarantor or co-borrower. In this case, a written statement will be required from the guarantor.

Based on all of the above, an application for loan restructuring must be submitted at the slightest change in one's own characteristics. This is a difficult problem, but easily solved with the help of financial institution employees. Both the borrower and the lender are interested in restructuring in order to avoid negative consequences. And the consequences can be very deplorable for the client, since penalties are charged during the delay in payments, and after a short period of time, the borrower is blacklisted, thereby worsening his credit history. If it comes to litigation, then the loan to the client will cost even more.

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