Date:16.05.2016, 07:59 The main rule is not to wait until the bank workers call you because you have ceased to make loan payments. You should act. First of all, notify the bank of your inability to make loan payments and indicate the reasons. When a person signs a loan agreement, he assumes obligation to pay a certain sum to the loan provider on regular basis and at the scheduled time. According to Article 137 of the Banking Code, the bank undertakes to allocate funds (loan) to another. But if you have bought, say, a car or an apartment or a country house, this is a different story. In any case, you should not be in a flap. Do not lose heart and remember that there is always a way out. Such actions will be treated by the bank workers as a display of your bona fides, evidence of the fact that you are not a malicious defaulter or a swindler. Address to the bank in writing and notify it of your problems. Interest rate reduction is used rarely. There is every likelihood that the bank will meet your needs if you have been a prompt payer and deterioration in your financial position is caused by a good excuse.
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