Recently, the issue of restructuring bank loans has become very relevant. This is due to the deterioration of the financial situation in the country, and, as a consequence, a decrease in the level of income of the population. Banks try to help the borrower, since it is better for lenders to make some concessions than to lose profits in case of non-payment of the debt. Read the article about how to fill out an application for loan restructuring at Sberbank and where to get a sample application form.

Questionnaire for loan restructuring Sberbank: sample

To restructure a loan at Sberbank, the client provides basic information about himself:

Personal data – full name, date and place of birth, TIN.
Education.
Passport data.
Place of residence and registration.
Marital status and information about relatives.
Information about the main place of work - name of the employer, type of activity, position held.
Information about job changes over the last 3 years, indicating the full names of all employers.
What is the property of oneself - real estate, transport, securities.
Data on the borrower's income and expenses.
Debt obligations on loans in all banks, with the exception of Sberbank.
Participation in the bank’s salary or pension project indicating the card number.

A standard sample questionnaire has the following form:

After filling out the questionnaire, the client must send it to the problem debt department. Next comes personal communication with bank employees who determine the required package of documents to be provided. If the decision is positive, work on re-issuing the loan begins.

Where to download the Sberbank loan restructuring form

The questionnaire for loan restructuring is posted on the Sberbank website. It must be filled out and handed over to the bank employee. Online application is not available.

The client has legal grounds for filing an application for debt restructuring. Article 451 of the Civil Code of Russia provides for the amendment or termination of a contract in the event of significant and unforeseen changes in the conditions under it. Sometimes a client has to defend his rights in court. In this case, the procedure and essence of the changes made to the contract are determined in court proceedings. Most often, the situation is resolved on the spot by accepting a mutually beneficial agreement between the lender and the borrower.

Good reasons for filing an application to change the terms of the loan:

loss of employment by the borrower;
decrease in earnings;
long-term illness;
force majeure;
presence of large credit debts in different banks;
death of the borrower;
other circumstances.

It is necessary to submit an application for loan restructuring as soon as the borrower’s financial resources become insufficient to cover the debt in a timely manner. Otherwise, the debt will grow not only due to the outstanding “body” of the loan, but also due to penalties and accrued interest. The bank is more willing to negotiate with a borrower whose credit history has not previously been damaged.

It is not recommended to provide deliberately false information about solvency and employment in the application form. The bank's security service will identify the deceiver immediately. This will not only not correct the debt situation, but will also worsen it.

So-called financial advocates help you fill out your application correctly and accompany the entire loan process. These are employees of companies that provide services to optimize the client’s loan debt, return illegally written off commissions, and collect the necessary documents for on-lending.

If you are unable to fulfill your loan obligations, you can make changes to the loan agreement. Targeted (for the purchase of a car, education, mortgage) and non-targeted loans can be subject to restructuring. We will look at the application for loan restructuring at Sberbank and an example of how to fill it out below.

Reasons for loan restructuring

Sberbank is obliged to accept an application for loan restructuring in the following cases:

dismissal from work, temporary disability;
change in financial situation for the worse (salary reduction, birth of a child, etc.);
unplanned expenses (illness of loved ones, fire, etc.);
the need to support a disabled relative;
other reasons requiring significant financial expenses.

When is a loan deferment possible?

If such circumstances arise, the best option would be to apply for loan restructuring. This way you can get a deferment or change the terms of the loan agreement. Otherwise, penalties and fines will be charged, which will further aggravate the financial situation.

In most cases, Sberbank meets its clients halfway, because... interested in returning borrowed funds. For example, upon the birth of a child, the bank can provide a deferment on payments for a period of 1 year. No penalties or fines will be charged.

How to submit an application for loan restructuring to Sberbank

In order for the bank to carry out restructuring, it is necessary to correctly fill out an application, a sample of which is presented below. It is necessary to describe the reasons for the change in financial position and the date from which these changes occurred. You can download the loan restructuring form from Sberbank here:
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The application must indicate:

details of the loan agreement;
desired parameters for changing loan payments;
the reason for the restructuring;
date of occurrence of the above reason;
loan repayment prospects;
signature of the borrower and co-borrower (guarantor).

The application must be accompanied by supporting documents:

certificates of wages (if they are reduced);
certificate of unemployed status;
child's birth certificate;
medical and other documents confirming the specified reasons.

Features of drawing up an application

To maintain your reputation as a reliable borrower, you can use one of the options offered by Sberbank as part of the restructuring:

reduce the amount of monthly loan payments;
change the frequency of making payments (once a quarter, six months, a year);
change the form of loan security.

If you use real estate or other valuable property as collateral for a loan, you can reduce the interest rate.

When the guarantor refuses to perform his function or, conversely, the borrower has the opportunity to attract a guarantor, this is indicated in the application as a separate paragraph.

In 99% of cases, an individual’s application for loan restructuring at Sberbank is fully satisfied. If guarantors are involved, they must be informed in writing about the filing of the restructuring application. They must also provide their consent in writing.

Every Sberbank client can take advantage of the opportunity to reduce their credit burden. You shouldn’t delay solving a financial problem, because... this can lead to loan defaults and further litigation. The bank is always ready to accommodate, while maintaining confidential information about the borrower.

Video instructions for restructuring a bank loan

A standard sample questionnaire has the following form:

— Reducing the amount of monthly payments by increasing the loan term. — Establishing an individual payment schedule for the borrower to simplify payments.

This could be either a postponement of the payment date or a reduction in contributions in certain months.

How is loan restructuring carried out at Sberbank?

— First of all, this is a loan overdue for more than 30 days.

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Application for loan restructuring

An application for restructuring can also be drawn up in cases where a credit institution violates the terms of an agreement on early repayment of debt and sends a message to the borrower that he cannot repay the loan before the deadline established in the agreement.

The legal relationship between the lender and the borrower regarding the repayment of the obligation assumed by the latter is regulated by Art. 309, 315, 407, 408 of the Civil Code of the Russian Federation.

The application is drawn up in any form and conditionally consists of an informational part about the petition.

The information part must contain the following data:

In the so-called petition part, the borrower can contact the bank with a request for:

suspension of interest accrual on a loan obligation;
writing off accrued debt and extending the loan repayment period due to emerging circumstances.

Magazine headings

Essentially, changes are being made to the payment schedule.

What can change? Payment date, sequence of payments (first of all, the borrower pays for fines, then for interest and only then for the principal debt). Borrowers who have seasonal work are offered a special option for distributing payments - during the season their payments increase, during the quiet period they decrease.

Perhaps the annuity type of the chart will change to differentiated.

Sample application for loan restructuring

Since October 15, 2014, my financial situation has deteriorated greatly due to a decrease in wages, which is confirmed by the following documents: _____________________. During the entire period of validity of contract No. 7654321 dated March 25, 2011, I made all payments on time as scheduled. There are currently no overdue debts.

Using this sample application to a bank for debt restructuring, you can contact a financial institution.

Cop., and therefore, I cannot make payments under the loan agreement in the same amount. Thus, I am currently in a difficult financial situation, the onset of which is not related to my guilty actions.

In accordance with clause 4.3.4. Agreement, the Borrower is obliged to notify the Bank in writing within 3 (three) business days of the occurrence, including, of circumstances that could affect the Borrower’s fulfillment of obligations under this Agreement.

Unsuccessful borrowers quite often ask how to correctly write an application for loan debt restructuring at Sberbank and where to find a completed sample. It would seem that the person knew what he was getting into, what kind of concessions the bank could give him? But how many people are currently not burdened with loans? Citizens are accustomed to taking out loans for literally everything – from a TV to an expensive car or apartment. Therefore, situations often arise when a person, due to illness or loss of work, is unable to fulfill his debt obligations. Restructuring credit debts will be the best way out of this situation.

Why do banks agree to change the terms of debt repayment?

Almost any loan can be restructured, ranging from several thousand to a million-dollar loan for living space. For what reason does Sberbank go to meet its unfortunate debtors?

Firstly, if a person reports his difficult financial situation and asks to soften the conditions, it means that he actually has nothing to pay. But he is responsible and understands that he needs to repay the debt;
Secondly, it is better to receive your money a little later and in smaller amounts than expected, than not to receive it at all. After all, the bank suffers huge losses from each client’s failure to pay his debt.

How to ask banks to reconsider the terms of the agreement?

How can we achieve easing of loan repayment terms? First of all, you need to write an application for loan restructuring. You can do this in free form, but some banks provide a sample application for loan restructuring on a special form.

It looks something like this:

The borrower's request to suspend the accrual of interest;
A request to change the terms of debt repayment, here indicate the reasons why payment on the previous terms is impossible;
Indicate a telephone number or other method by which you would like to receive a response to your request, it is better to indicate e-mail (the answer will be given as soon as possible) and a request to respond also by registered mail (this obliges the financial institution to respond on paper).

The completed form is accompanied by documentary evidence of the impossibility of paying off the debt in the previous format: photocopies of payments for utilities, alimony, receipts from the pharmacy, an extract from medical documents, a certificate of income, a photocopy of the work record book.

Thus, if financial difficulties arise, there is no need to avoid paying off loans, but immediately go to the bank with a request for restructuring. The sooner you make such a statement, the more likely it is that the bank will cooperate.

Payments under loan agreements sometimes become unaffordable for clients. In such cases, banks offer to change the terms of their deposit. But it is important to understand how to draw up an application for restructuring a Sberbank loan using the sample, what documents are required to carry out the operation and the nuances of the proposed program.

Reasons for restructuring

Bank loans can be divided into short-term and long-term. Simple consumer loans are usually designed to be repaid over one year. Long-term loans (for example, mortgages) can last for 20 years. Naturally, over such a period of time, with changes in the economic situation, the lending system in the country and the financial viability of the borrower are transformed.

In such situations, the question of revising the terms of the loan agreement is natural. This procedure is called restructuring. But not all borrowers can qualify for it. If the case concerns Sberbank clients, the following are considered as reasons for revision:

A significant decrease in the borrower’s income due to dismissal or salary reduction, etc. It should be taken into account here that leaving of one’s own free will will not be accepted as a reasoned reason. And if a citizen is left without a job because he was laid off, he can count on restructuring. If he himself decided to transfer to a position with a low salary, this also will not allow him to renegotiate the terms of the contract. That is, the main thing is that the reason is not a consequence of the will of the borrower himself.
Partial or complete loss of ability to work. Assignment of a disability group or the presence of a severe injury that requires long-term treatment and recovery must be confirmed by the conclusions of a medical commission.
The birth of a child in a family. If we are talking about borrowers who have become grandparents, the restructuring application will most likely not be approved. This paragraph applies to young parents until the child is 3 years old.
Conscription into the Armed Forces of the Russian Federation for compulsory military service. This clause no longer applies to those who remain under contract.

Restructuring is required for people who cannot pay the debt on the same terms due to lack of money

The loan at Sberbank is being restructured through the following measures:

The borrower is provided with a credit holiday. That is, they allow you not to repay the debt for a certain period. For consumer loans it is set at one year, for mortgage loans – at three years. During this period, no interest is charged on late payments.
If desired, reduce the monthly payment period, increasing the total payment period. That is, the amount of debt remains the same, only, for example, instead of 8 years, you can repay it in 10 years, which means the monthly payment is reduced by 20%.
Change the loan currency. If the client took out a loan in euros, as the exchange rate increases, the financial burden also increases. When an application for restructuring is approved, the recalculation is made on the date of its submission, and not on the date of the loan.
They draw up individual payment schedules, for example, changing the loan interest depending on the season. This policy is relevant for individuals whose income varies depending on the time of year.

Carrying out restructuring is a right, not an obligation of the bank. However, the latter prefers to accommodate its clients halfway in order to avoid termination of the contract, for example in the case of refinancing with a third-party bank.

If a borrower finds himself in a difficult financial situation, it is advisable not to hide from interaction with bank employees, but to try to resolve the problem amicably. This option is more profitable for both parties than filing a claim in court and collecting the debt through the SSP.

How to write an application correctly

A client who wants to change the terms of the loan must first write an application for restructuring the mortgage loan. The sample can be found on the Internet and, if necessary, download the form to fill out. This service is provided on various banking websites free of charge. You can enter the required data in Word.

When drawing up an application, it is important to take into account all the rules

The application will require the following information:

All data on the existing loan agreement (amount, remaining debt, interest rate, account number, etc.).
The reason why the client is requesting a restructuring.
Desired changes to the contract parameters.
How the applicant himself assesses the prospect of repaying the loan.
Information about the co-borrower, if there is one (most often, this is a marriage partner).
Signature of the applicant with transcript and date of application.

Clients apply during a direct visit or on the Sberbank website. Its consideration takes no more than 3 working days.

Nuances of drawing up an application

To obtain approval for restructuring, you need not just write an application, but collect a certain package of documents:

Photocopy of your general passport.
Document on the amount of income. Depending on the source, this may be 2-NDFL; certificate issued by the employer; tax return; paper from the Pension Fund.
Document confirming the client's employment. For example, an extract from the work record book or a copy of the employment contract. The papers must be certified by the employer.
Documents that justify the need for restructuring. This could be a certificate about the upcoming liquidation of an enterprise, an ITU conclusion on the assignment of a disability group, etc.

In addition to the application, the bank must provide additional documents

If a borrower requests a loan restructuring with collateral, an insurance policy and payment receipts for the collateral will be required.

The Bank reserves the right to request any other documents.

There are two ways to submit your completed package and application for loan restructuring:

During a personal visit to the bank.
By submitting online. To do this, you need to register on the bank’s official website. You will need to fill out a form for restructuring a Sberbank loan and upload scans of the necessary documents.

Programs of other banks

The opportunity to carry out restructuring is available not only to Sberbank clients. In 2019, large financial institutions offer their clients the following forms of procedure:

Structure name	Terms of restructuring
Raiffeisenbank	Increasing the duration of payments, credit holidays, reducing interest, changing the currency.
Renaissance Credit	Reducing the rate, exemption from paying interest on a loan for a certain period, changing the payment schedule.
Rosbank	Changes payment terms only for consumer loans. If the amount is more than 2 million, 2 guarantors will be required.
Svyaz Bank	Restructuring is possible and carried out on individual terms.
Alfa Bank	Offers standard changes to conditions: credit holidays, increasing the duration of payments, changing the currency.
Orient Express Bank	Reduced monthly payments and credit holidays. Other conditions are discussed individually.
Bank VTB 24	Change in interest rate if the loan amount is from 100 thousand to 5 million rubles.
Tinkoff Bank	Reducing the interest rate, increasing the total payment period.
Post Bank	Write-off of the amount of the penalty, deferment of payments, reduction of monthly payments.
AHML	The only mortgaged housing can be restructured. The program proposes changing the currency, writing off penalties, and reducing the interest rate.

All kinds of microfinance organizations have their own restructuring programs. Conditions should be clarified with operators or on the websites of organizations.

You can learn about the restructuring from the video:

Attention! Due to recent changes in legislation, the legal information in this article may be out of date!

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