Assessment of a loan agreement before its signing, with creation of a matrix of risks and ways to level them down to a minimum

Having received the coveted “Approved” from the bank in response to an application for a loan/credit, don't rush to joyfully put your signature on all documents, which you will be given. Помните, that with signing a loan agreement, you agree to all of its terms and accept the responsibility to comply with them, including the return of the amount of the main debt within the established time limits and (including) the payment of all additional payments and the fulfillment of all other requirements, that are prescribed in the contract, and in case of non-compliance (или ненадлежащего исполнения) банк будет вправе обратиться с иском в суд. После подписания поменять условия будет уже невозможно, and the fact, that you didn't understand something, не будет являться смягчающим обстоятельством.

That's why it's extremely important to carefully study the contract before signing it, вникнуть во все детали и выявить возможные подводные камни. It's worth remembering, that your right at receving timely (until the concluding of the credit contract), necessary and reliable information is enshrined in the law (ст.10 Федерального закона «О защите прав потребителей», ст.30 Федерального закона «О банках и банковской деятельности»). This information, also, includes: предоставление сведений о размере кредита, полной сумме, that's payable by the consumer, и графике погашения этой суммы. Внимательно изучите условия кредитования. Pay close attention to the references to the tariffs contained in them for the provision of services by the bank, на программы кредитования. Request and closely and carefully study information about these tariffs from bank employees. Studying the offers of several banks, that issue consumer loans, can help to make the best decision. Полученная информация позволит Вам сравнить предложения по потребительским кредитам разных банков. Read the terms and conditions carefully before signing a loan agreement, especially the terms that set out your responsibilities (обязательства, responsibilities), убедитесь, что кредитный договор не содержит условий, which you don't know anything about or the meaning of which you don't quite understand.

Вот список наиболее распространенных условий, with which banks most often infringe the rights of consumers:

• condition on the one-sided change of ant terms in the contract by the bank , also, including the interest rate;
• the imposition of personal insurance services for borrowers, поручителей;
• взимание комиссий за предоставление кредита, за расчетно-кассовое обслуживании, за открытие и ведение ссудного счета;
• нарушение очередности погашения задолженности, установленной законодательством (most often, the requirement for priority repayment of the penalty);
• безакцептный порядок списания денежных средств (i.e. without your permission), находящихся на других счетах потребителя в этом банке, and in other credit institutions;
• установление подсудности по месту нахождения банка или его филиала;
• взимание штрафа за нарушение срока возврата очередной части кредита;
• право на предоставление информации о заемщике третьим лицам, for example, the collectors agencies, рекламным компаниям и т.д..

By contacting our company for advice on the assessment of a loan agreement before its signing, you can be sure, что получите качественную юридическую помощь. Our experts will help you understand all the nuances of the loan agreement that is offered to you, they will explain, what conditions and how exactly they (these conditions) infringe your rights and will prompt, how to amend the contract in the way, чтобы он был максимально выгоден для Вас. All this will help you avoid unpleasant surprises from the bank in the future and to get full pleasure from the purchase.. Мы также можем провести переговоры с Банком за Вас или рассказать Вам на какие нормы можно ссылаться, in order to change the contract. А также разъяснить какие требования к договору, that are put forward to the bank, могут быть восприняты крайне негативно, а какие можно будет достаточно легко согласовать.

Our team of experienced lawyers and advocates has been assisting in the evaluation of a loan agreement before its signing for several years. За годы работы Дежурный по бизнесу выработал успешный алгоритм, который позволяет на первоначальном этапе минимизировать все возможные правовые и иные риски. Our team of successful lawyers and lawyers approaches each case responsibly, with which people come to us. We understand, that every case is unique, and our professionalism and experience helps to find the most suitable solution. We have been providing assistance in resolving financial issues with banks for many years now. With us you can be sure of a comprehensive and individual approach to solving any of your problems..