Especially now, during the global financial crisis, it would be difficult not to succumb to provocations market. «Do not hurry to sell the apartment. This is the only thing the realtors wait. The deterioration of the material situation of borrowers - is a reality that we will soon face. However, any bank, even if he denies it, there is a program of repairing the credit », - said Alex Wannoy.
Credit Repair gives the new terms of payment on the loan. For example, the bank may cut interest rates if the borrower proves his inability to pay for the previously agreed rates. You can also obtain an increase of loan term, which in turn will reduce the monthly payment burden. Or delay the repayment of principal on the loan, subject to timely payment of interest. But this needs to be achieved through persistent negotiations. No one is interested in the bankruptcy of the borrower and the bank will have to agree to a restructuring in order to avoid significant losses. Clearly, why banks do not make customers aware of such services in advance: by the time it will declare all borrowers, and will require mitigating circumstances. The emergence of the restructuring program associated with the normal banking practice, which aims to preserve good relations with his client. Concerns are not only mortgages but also the consumer, as well as credit cards.

«If you have any problems with monthly payment on the loan, you must contact the office manager of the bank, which arranged the loan, and write a statement - said Marina Klubnikina Consultant Referral Service CJSC« Russian Standard Bank ». - The bank will consider it unilaterally, and perhaps you will meet ». The bank «VTB 24» also advise in the event of problems with payments on the loan to write a statement outlining the reasons why. The list of necessary documents for registration of grace is unique for each individual case. The result, according to consultants may be unpredictable. However, before the desperate and decide to sell the apartment, is to try to ensure the alleviation of credit terms: as a bank would not be obstinate, it is possible.