To pay Bank possible - it's not a secret! - News about real estate, Kiev, Kyiv region. Real Estate In Ukraine

To pay Bank possible - it's not a secret! - News about real estate, Kiev, Kyiv region. Real Estate In UkraineNo one needs to remind that the change of the dollar, rampant layoffs and lower wages has led to the fact that many Bank customers were unable to cover their debts...How can I pay my mortgage twice lessNo one needs to remind that the change of the dollar, rampant layoffs and lower wages has led to the fact that many Bank customers were unable to cover their debts in full. The fact is that if the summer of 2008 payment on the loan amounted to 20-30% of the average salary of a borrower, its share in the monthly cost exceeds 60-70%. At the same time, the national Bank of Ukraine allowed banks to restructure loans. Below are several basic questions about the restructuring, which, in my opinion, can excite the holders of the loans.Reduce the payment?First, the loan payment can be reduced by making a deferral in the payment of the loan. Such an extension of time banks allow for a period of three months to one year. If we talk about long-term mortgage loans, the deferment on the body of the loan is reducing the monthly payment by more than half. For car loan, issued not more than a year ago, the delay will be about half of the payment.Secondly, a lifeline can be a change of the loan currency. Even considering that when the loan is transferred from the dollar to the hryvnia interest rate increases, with the current fluctuations in the borrower who are paid in local currency, can benefit from credit transfer in national currency.For loan restructuring necessary?With the help of specialists of the company, to make application to the Bank with a request to change the terms of your loan and to prepare a package of documents confirming the change in the financial condition of the borrower. The procedure is similar to the loan.How much is your help in the design of restructuring?The company's services EnMark in the case of restructuring of a loan on a car made: 250 UAH for the analysis of documents, preparation of the application, work with the Bank, the carrying case to the credit Committee. At the time of final payment transaction amounted to UAH 500. I.e. the total fee for the services of the restructuring of the loan amounted to 750 UAH. On the mortgage amount is slightly higher and depends on the amount.Example:Real case with the restructuring of the loan on the car from the Bank: the Loan was taken in the summer of 2008. The amount of $27 thousand, the rate of 12.5% per annum in dollars. In January 2009, the outstanding amount of $25 thousand, and the monthly payment under the standard repayment scheme loan of about $600. At the same time the salary of the borrower which at the time of the loan was $2 thousand per month, today is 6 thousand UAH. which at current exchange rate — $750 dollars. The result of our work was to reduce the monthly payment of the borrower by $320. To do this, we have agreed with the Bank to defer payment of the loan for 6 months. It took no more than a week and a minimum participation of our client.



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