On the one hand significantly reduced the number of credit offers from banks. On the other - many banks does have refused to lend. Depositors should not hurry to withdraw their funds to a large extent, and tightened credit conditions. This applies to all types of credit: mortgages, car loans and consumer loans. Banks raised the initial contributions, increased the terms of consideration of applications, reduced the amount of the loans. Compared with last year rose sharply enough interest rates on loans, and in some cases, the rates assumed the character of barrage that is truncating the people wish to take borrow money, as well as tougher requirements for potential borrowers. And if last year at this time accounted credit boom, then this fall we have seen an obvious decline. Especially plummeted, in our opinion, the volume of mortgage lending. But, nevertheless, not all banks have curtailed lending, loans are issued. Moreover, a number of banks seeking to use this situation to their advantage, occupying a niche in the past employed by others, peremanivaya to his company's clients and competitors. Union of borrowers and savers Russia (BCR) has prepared a memo to borrowers and savers - how to deal with the financial crisis, what to do if the bank has lost the license or does not return the contribution. Borrower for those who have already taken out a loan make payments on time, otherwise the bank will cause you to break the contract and demand to repay the loan early. Do not fall for letters from banks with a proposal to repay some portion of the loan ahead of schedule - this is only the wishes of the bank. Although, if you have the desire to maintain a credit institution, it can be done. It is best to pay the cashier of the bank or ATM. Carefully check received from the bank receipt and keep them up to full repayment of the loan. Do not forget, after repayment of the loan with the bank to sign the act of settlement. For those whose bank denied a license or in simple words "bankrupt" First of all, you need to know that in the case of revocation of the license of a bank to pay the loan, keeping all terms of the contract, it is still necessary. In accordance with Art. 309 "General Provisions of performance, st.819" Credit Agreement "Civil Code" the borrower must fulfill its obligations under the terms of the loan agreement. " Thus, the contract is valid as long as there are lenders and borrowers, and thus can accrue interest and penalties. The loan is converted in such a case, monetary commitment you want to execute properly. Revocation of a license indicates that the organization has ceased to be a bank, but your debt will not disappear - you should now have another organization under the same conditions as the bank, which took out a loan. In order to avoid additional problems with repayment of the loan the borrower must: 1. Contact with the lending institution with which the contract was made and installed on whom responsibilities interim administration. 2. Suspend repayment of a loan payment terminals for the same details and specify new credentials, set for payment. 3. If the money is "hang", then against you can follow the penalties. 4. If the bank were open additional savings accounts, then we can discuss with the interim administration of the bank issue a recalculation of obligations. 5. Constantly observe the conditions on the schedule of regular payments. In case of delays in payments on the loan the temporary administration of the bank may demand early repayment of the loan. 6. In accordance with Civil Code st.327 if the creditor (bank) for one reason or another can not take a regular payment, the borrower can make a deposit in the notary himself debt and interest on the loan. Making a sum of money on deposit with a notary or a court considered the execution of commitments. 7. When you change jobs or residence addresses must immediately notify the lender. Just need to continue to insure the mortgaged property, even if insurers raise rates. 8. Carefully examine the terms of the contract. If a contract is a record about the possibility of changes in bank interest rates unilaterally, then going under the jurisdiction of another loan, "healthy" bank may be changes in credit conditions. INVESTORS If you have a deposit account, which normally works Depositors may be advised once more to look more closely the conditions of deposits and not to hurry with their decision to withdraw. Optimal at the moment is the rate of 14-15% in rubles and 12-13% in hard currency. But do not rush. Better to wait a bit. When the market is no longer a fever, you can easily select suitable conditions. Moreover, that in any new proposal of the bank's contribution can be pitfalls. And another important point ... ... Soon to be particularly manifest "too favorable" supply of financial pyramid schemes masquerading as credit consumer cooperatives of citizens and all investment companies. BCR Russia advises potential investors to be vigilant and carefully study the conditions that you offer financial and credit institution, so then do not stay, "the broken trough". Attractive deposit becomes every day more. Bankers realize that the people who shot the money from the accounts, are gradually getting used to the situation and begin to ponder how they do. And now for banks to attract funds from the public - one way to improve its "buoyancy". If the contribution does not exceed 700 thousand rubles: withdraw money from the bank is clearly not worth it. Firstly, the contribution is insured, and the money will be refunded in any case. Secondly, when withdrawing money from the deposit is lost accrued interest. If your bank was in a critical situation, it is not correct and the money does not get to the end of the bankruptcy process. And if the bank is "alive", then why would you lose income? Keeping money in deposits - a way to minimize losses from inflation. If you still have withdrawn their savings, then store them in a deposit box is much safer than at home under her pillow. If you have a contribution of less than 700 thousand rubles, and your bank suddenly "burst", the money you will still be returned, since the contribution is insured. If there are several million rubles in the same bank, it would reimburse only, as mentioned above, only 700 thousand rubles. If you have kept money in several banks, then returned to 700 rubles on deposit in each of the banks. But! Unfortunately, not all the contributions, amounting to less than 700 thousand rubles will be fully refunded. Deposit insurance is not carried out (Article 5 of the Federal Law): 1. Placed in the bank accounts of individuals engaged in entrepreneurial activities without forming a legal entity, if these accounts were opened in connection with such activities, 2. Placed individuals in bank deposits to the bearer, including those certified savings certificate and (or) the bearer savings book 3. Transferred by individuals to banks for asset management, 4. Placed on deposit banks' branches of the Russian Federation outside the territory of the Russian Federation. If you do not return the interest and the contribution obligation of the bank to repay the deposit amount required by paragraph 1 of Article 834 of the Civil Code of the Russian Federation (hereinafter - Civil Code), which states that "the contract of bank deposit (deposit) one party (the bank), which took the request by the other party ( depositor) or to go for it a sum of money (contribution), shall refund the deposit amount and pay interest on it on the conditions and procedures stipulated by the contract. " Furthermore, in accordance with paragraph 2 of Article 837 of the Civil Code: "The contract of bank deposit any kind of bank is obliged to repay the contribution or part thereof upon demand contributor ...." If your rights are violated on the basis of the foregoing, we propose to send a bank statement (registered mail, which can be used as proof of notification to the proceedings) to return the deposit amount with interest. Also, besides the immediate return of the deposit, you are entitled to claim from the bank interest and damages. "When non-compliance with the Bank provided by law or contract of bank deposit duties to ensure the return of the deposit ... investor may require the bank's immediate return of the deposit, payment of interest on it ... and the recovery of damages" (p.4 st.840 Civil Code) . But we do not advise you ahead of time without serious reasons to demand the return of the deposit. Actions of depositors in the termination of the bank must first make sure that the bank's license revoked or a moratorium on satisfaction of creditors' claims. This information is published on the websites of the Central Bank and the Deposit Insurance Agency. In the DIA also opened a hotline, phone: 8-800-200-08-05 (Toll-free in Russia). Two weeks later, about the accident will be available from the media, through the month will be a private notice from the Agency for Deposit Insurance. On the door of the ruined bank posted a message with information about where and when you can get the account for deposits. Need to conduct audits of their accounts at the bank. If you have one or more of the aggregate amount of not more than 700 thousand rubles (ascended percent), then all the money back to the depositor. If the deposit exceeds the maximum amount of insurance payment, after payment of 700,000 rubles retains the right to the first stage of the creditor to return the remainder of the deposit. That is not the fact that you will get it. If the failed bank you apart from the contribution remains outstanding loan, the amount of compensation for deposits will be reduced by the amount of remaining debt, taking into account accrued interest and penalties. Be sure to save a copy of the deposit agreement. Once again, carefully review and verify the calculations, which offers the bank on its debt to you. The Bank may make a mistake in the calculations. Documents can be present staff of the Agency for Deposit Insurance, all of which recheck. If you take a large sum of money, then you need to be careful, it is better to use wire transfer. If you have an account at another bank, then use his bank details - if not, open a new one. Think in advance where to invest ahead of returning the money. After reviewing and analyzing the latest banking news, you can pick up a lucrative offer. Central Bank informs which banks may soon go bankrupt.
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