How to close a loan in 2018
You will need
- - a copy of the loan agreement certified by a notary;
- - information about the residual payment amount received in the credit department of the bank where you took the loan;
- -application for early repayment of the loan.
On the basis of the documents you received, make the last payment only in the bank where you took the loan (using a cashier or terminal). In order to avoid further very likely complications, do not make the last payment either by mail or in any other bank.
Be sure to take a certificate from the credit department of the bank, certified by all possible seals, that you have repaidloanand the bank has no complaints against you.
Within a month, you should receive an official letter in the mail saying that the bank removed you from the general list of debtors.
After repayment of the loan, do not throw away documents about the absence of debt to the bank. All of the above documents should be kept on hand in case of loss or error in the bank.
Know that in addition to repaying the loan, you do not have to bank. Therefore, all the insistent recommendations of bank employees to purchase something like a credit card have no legal credentials, and your decision on this matter depends entirely on your goodwill.
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