Sometimes we want to buy a house, a car. In such cases, we use various loans, pay the installments of the loans we use within a certain time and continue our lives. Well, how can we postpone our regular debt if we are unable to pay when we encounter a situation that is not in the plan?
If we pay credit debts for a certain period of time, we will be executed. Before encountering this enforcement situation, we need to postpone and restructure our credit debt. However, banks generally do not favor credit deferment and restructuring. It will be useful to meet with your bank in order to avoid a larger debt or enforcement situation in the future.
If you sign a series of papers while taking loans from banks
In the content of these contracts, the amount of the loan you take, how long you will repay, the amount of interest to be applied and the sanctions that will be applied if you do not pay. In fact, the words that will come out of the bank are important to you because you have signed them while taking a loan.
You can get help from the bank’s customer service to postpone your credit debt. If necessary, you can handle your transaction from the bank if such an opportunity is provided. Otherwise, you may need to write a petition to request a deferral to your bank.
When writing this petition, if you state the amount of the installments you have paid so far and that you have not been able to pay for some reason at the moment and specify the postponement date, your petition will be easily processed. After doing these operations, all you have to do is wait for your bank to give a positive answer. So, if this positive answer does not come and your credit payments are not postponed.
What methods should you follow?
Let’s say you have written a petition for your deferral request and the bank has not approved your deferral request. In this case, you can apply to another bank to obtain a configuration loan. The general requirement for these configuration loans is to close your credit to the other bank. For example, you have paid 12 installments of a 24-month loan. A loan is issued for all remaining installments.
With this loan, the debts of the bank, which has been previously credited, are completely closed and you will be indebted to the other bank in the longer-term. Of course, in this case, the amount of interest you pay will increase at a certain rate. You should make sure that you have a last resort before using these configuration loans. After making the decision, you should immediately implement it so that the bank you get the first loan does not present a legal obstacle before you.
We told you that your bank does not have to postpone your loan. Your responsibilities in the contracts that you have signed on this matter are generally stated in the contracts as “If there is no extraordinary situation in the loan contract, no new item is added in line with different demand, there is no credit deferment in any loan package.”
However, in the regulation that was finalized with the publication in the Official Good Finance recently, if your credit withdrawal date is before September 27, it has been deemed necessary to make a configuration.
The content of this regulation included a configuration
That could be extended up to 72 months if the previously withdrawn loans could not be paid. In such a case, you can submit your request by applying to your bank before the date of the credit you have taken and the date of publication of the regulation.
What you need to know before submitting this request is that banks can set their own interest rates when they configure. You may need to negotiate with your bank to avoid extra interest rates. After a tight bargain, you can configure your credit debt at certain interest rates. Although there is no postponement, it will be easier to pay when you have a configuration, because the debts will be divided into more installments. You will not need to apply to other banks or write petitions and endure long procedures.