No one is immune from unforeseen life circumstances. Even if you approach the repayment of credit debt with all responsibility, situations cannot be ruled out in which the payment of the loan can temporarily turn into an unbearable burden for a personal or family budget. Anyone can lose a job or a source of permanent income, change their place of employment, or get sick. Delays in salary or its postponement to another date by the employer are also possible.
Another common reason is additional lending from another organization. In this case, you may want to “split” the general loan payment schedule into two parts. Or, conversely, make both payments on the same day, without creating confusion for yourself. Regardless of the reason why you want to change the loan payment term, honestly tell the bank employee about your circumstances and ask to adjust the schedule. Be prepared for the fact that the bank may require supporting documents (for example, a copy of the work book with an entry about dismissal or a certificate from a medical institution). It is also possible that they will postpone the loan payment term, but at the same time ask you to pay part of the amount - for example, the interest on the loan accrued for the last month.
Rescheduling a Regular Payment: 4 Ways
The method of transferring the payment date depends solely lithuania mobile database on the bank that issued the loan. In one case, you will have to personally come to the bank branch to revise the schedule. In another, it is enough to submit an online application, write to the manager in the chat or call the hotline. Let's consider the most common ways in which you can change the loan payment term.
Change the date in your personal account on the website
Almost all banking organizations offer online banking services today. By creating a personal account in such a system, you will be able to make regular payments, track the current status of your credit debt, and use other financial products. If your bank allows you to change payment terms through your personal account (this service is not available everywhere), just log in, go to the open credit agreements section, and specify a new date, following the instructions. Immediately after that, you will receive confirmation that the loan payment date has been changed.
Use the smartphone app
Most banks have not only a browser version of the Internet banking system, but also downloadable mobile applications for Android and iOS. If you have already installed the application and have a registered account, the algorithm for transferring the payment date will be approximately the same as in the case of a personal account on the website. Keep in mind that in some cases the interfaces of the site and the application may differ. In addition, some applications have a limited set of functions, and individual online banking services may not be available in them. For all the details regarding changing the payment schedule through the smartphone application, check with technical support on the website. Once again, we remind you: the ability to independently transfer a loan payment online is not available in all banking organizations.