Refusing a loan legally, or how to do the banker?

Having obtained funds in the bank not everyone is thinking about how to return them. Many would like to do this, but not everyone turns out in a number of different life circumstances.

You should not despair and fear the bank, there are ways and solutions to this problem.

Yes, you can refuse it, but only in the first day after it is received, thus will not be accrued. It turns out you give the received money exactly in the volume in which you got them back the bank.

Banks are not very willing to go to this procedure, since the bank in this case already loses money, and tries in every possible way to persuade their credit — leading the facts that he really needs him.

This is a certain psychological move. And someone has already received a prize for this issued loan, the employee will be difficult to abandon it.

Insurance, which was imposed by a bank employee. Yes. From it you can refuse, but in the first 14 days.

It is not difficult to do this, but only in theory. In practice, everything looks different. The insurer, as a rule, is located in another distant city of our immense country and reach it to reach it even by registered mail.

It turns out if we do not have time to abandon insurance, then lose money.

Credit history — it will be spoiled, as it will stand in a mark on the refusal, this means that in the next six months you cannot get a loan.

The bank issues cash under interest, for a certain period. Accordingly, the bank not only does not want to lose their money, but he is unprofitable. By entering into an agreement with the bank, you enter into a deal in which all the conditions of this transaction are prescribed. In conditions, negative consequences are usually prescribed, to which non-payment of credit obligations can be given. The consequences are different — ordinary warnings, the transfer of debt to third parties, or the statement of claim to the court.

These are constant collectors calls, perhaps even a personal visit, legal agendas and bailiffs.

So you can say if you received funds, but you did not have to pay them.

The most important thing is to make the first two loan payments! After that, you can refer to that. that you simply have no cash to return. From work you were fired, and you have no movable and real estate.


A large size is understood as the sum above 2.4 million rubles, but even if you took the same amount and made the first two payments, then you will not be able to attract you.

If you certainly do not let you make a loan in order to not return it.

In essence, nothing. There is nothing to arrest among the debtor, it is not officially employed, there is no money in the account either. The bank will not remain anything else, except to forget about this debt. Well, it is to forget, of course, too, will not be released — a credit history will be hopelessly spoiled, and in the future it is unlikely to get a credit product. But, the cash of a citizen of the bank will not return.

It turns out that?

For example, you took a loan with a deposit. Pledge is real estate — apartment. In the absence of a refund of funds, the bank must withdraw the subject of the pledge, in this case the laid location.

You need to make redevelopment in this apartment. When signing the contract, real estate was indicated in the initial state. Accordingly, it will take that apartment that is indicated in the contract. If you redevelop the apartment, and you now do not have a two-bedroom apartment, and three, for example, you will not be able to pick it up. In this case, your contract will be recognized as invalid contract.

Yes, it will start pulling with the courts, but you will be in win!

Currently, the word bankruptcy has become of interest among many citizens. In the event of bankruptcy, all his debts are written off with a person — as they have nothing to pay them. It is worth noting that the bankruptcy procedure is possible only from the amount of debt over 500 thousand rubles. Also, under the bankruptcy procedure, the citizen should not be any property, no vehicle or real estate. Otherwise, all the property will depart the bank. The bankruptcy procedure has its advantages, and cons. Therefore, before referring to this procedure, it is worth weighing everything for and against.

We hope the material was useful to you.