Make changes to the BKA. How to challenge credit history - a sample application. Important features and issues of individuals
Nowadays, banks are actively trying to increase their profits. different ways. One of these methods is the acquisition of insurance by the client, when designing one of banking services. Therefore, it will be useful for you to learn how to legally competently abandon the insurance after you have already received a loan, how to return the insurance that you have imposed, as well as how to return insurance with early repayment loan.
What is a loan insurance
Let's first figure out with the meaning of such a concept as insurance.
Loan insurance - This is an insurance product that reduces the risks of the bank in case of unfavorable situations in the life of the borrower, as well as insures the life of the client.
Thus, in the event of a loss of a borrower of work or other adverse situations, the insurance company will take on all burden of responsibility to the bank.
The percentage of insurance directly depends on the amount taken on credit. We take more - expensive will cost more. No one will work at a loss - therefore it is not worthwhile to be surprised by the cost of insurance for a large loan.
What can I insure a loan
- if you have received disability
- serious illness
- loss of work
- deterioration of the financial situation
- death of the borrower
If you are going to take a consumer loan (including), then you will insure our life and responsibility. And in the case of or any other loan, where deposit is required, you will need to insure my life and still laid property from damage.
Attention! According to Civil Code of the Russian Federation, consumer loans insurance not necessarily and produced at the request of the borrower. In the same time security insurance is mandatory In case this is a mortgage or any other loan requiring a deposit to obtain it. But in this case, the responsibility to insure you are no longer required.
Why need to insure a loan
In the interest of any stable developing bank, the maximum reduce the percentage of non-payment of loans. As for Russia, the situation is not easy here and therefore banks do not remain anything to "impose" insurance to all customers. Insurance is a very profitable business, so many banks create their insurance companies and then make them part of their holding. Thus, it turns out to be earned as percentage of the loan and on doubtful usefulness of the service called "Insurance".
Is the loan insurance benefit from the borrower?
If watch from the point of view ordinary person - then, of course, unprofitable. After all, the loan amount increases in addition and the amount of insurance. And who wants just to pay interest for "air"? Well, if your activity is associated with risks and a great probability of being dismissed or lose performance, then you will have a certain benefit from insurance.
Useful information! Often consultants in the bank argue allegedly indirect advantages of insurance Such as, for example:
If you lose your work, your debt will be closed by insurance or if you become disabled. In addition, if you die, then the debt will close and it will not pass by inheritance. And now let's consider detail these approval. Loans mainly take people from 18 to 45 years. How long do you defeat without work? I think no. You will quickly find a new one. Would you dream of becoming disabled in the fastest of your vitality? Also no. Well, if you die and the heirs do not enter into inheritance, then the loan also does not transmit. Such is the "advantages" of insurance.
Insurance costs and timing
We think you will also be interested in finding an answer to the accompanying question: "How much will insurance cost and for what time it is valid?"
Validity insurance Polisa. exactly the same as specified in the loan agreement. If you took the loan for 3 years, then insurance will be valid 3 years.
Sberbank has his own daughter, which is engaged in insurance - "Sberbank Insurance"
Insurance costs:
- insurance against accidents from 0.30 to 1% of the cost of a loan per year + a set of paid additions to the base rate
- life insurance from 0.30 to 4% of the cost of a loan per year + paid additions to the base rate
- insurance against cancer from 0.10 to 1.7% + paid additions
- insurance of collateral from 0.70% per year from the loan amount + paid additions to the basic tariff
The amount of the loan depends on the two criteria: it interest rate For insurance and loan amount. As we have already discussed above, the higher the amount of the loan - the more the final amount of insurance insurance will be.
Features of insurance in Sberbank
- obtaining insurance when designing consumer credit Is no obligatory
- paradox between the law of the Civil Code of the Russian Federation and Life: in case of refusal of insurance, Sberbank has the right to refuse to issue a loan
- in the case of a mortgage, you must insure a real estate object that serves as a deposit on the loan, from damage (this is the law)
- You have the right to return the insurance on the loan of Sberbank ahead of schedule, without waiting for its end of its action, but only if no more than 30 days passed. In this case, you return 50% of the cost of insurance or make the recalculation of the repayment of the loan of the loan by day
- return of credit insurance in Sberbank is carried out in accordance with the provisions Civil Code RF
- You have a complete legal right to abandon the credit insurance even after receiving the loan within 1 month from the date of signing loan agreement And produce a "return service" without changes in lending conditions.
Sberbank imposes insurance when making a loan, what to do
And what if Sberbank imposes insurance when making a loan? Is it legal?
It is illegal! Guided by this case need 958 articles of the Civil Code Russian Federationwhich states that banks do not have the right to impose insurance life and the health of the borrower, have the right to finish borrowers in the event of refusal and apply other unauthorized actions against the borrower. Otherwise, sanctions will be applied to the Bank.
The law also contains information that the borrower has the right to return the full cost of insurance. if from the date of the loan not more than 30 days passed , and if from the date of registration passed more than 30 days , but the term of the insurance policy has not yet expired, then returns only 50% From the cost of insurance.
But if we are talking about mortgage lending (mortgage), the law obliges a borrower to insure the laid real estate (Civil Code of the Russian Federation No. 102 Article 31), and no longer fails.
Tip! Thus, if the bank refuses you to issue a loan, due to the fact that you abandoned insurance can be submitted to the Court, but this is an option if you have money and time. And if you want to achieve your goal and get the desired credit, then boldly agree to insurance and within 30 days after the conclusion of the contract, give up insurance, writing a statement in the Bank's Office and return the full cost of insurance yourself.
How to return money for insurance
Does the money for insurance on a loan in Sberbank return?
Answer: Return if no more than 30 days have passed since the loan, if more than 30 days passed, but the term of the policy has not been over, then you can return only 50% of the cost, and it is also possible to return money for insurance in the case of full or partially ( What does not affect the provisions on the return of insurance costs).
And now about how to return insurance on the loan of Sberbank.
Attention! There is such an opinion that it is possible to return insurance only with early repayment of the loan. This is not true! Insurance can be returned throughout the term of the loan and insurance. Unknown remains only what amount will be able to return.
How to return insurance:
- We take two sheets of paper and write a statement in two copies in the name of an insurance company in which insurance is framed. In our case, this is Sberbank Insurance LLC.
- Collect all the necessary documents (list necessary documents listed below)
- Apply an application personally to the office of the insurance company, in our case we go to the Sberbank branch
- Employee accepts your application and puts a mark on acceptance of the application
- We are waiting for traffic on our issue. Usually it is a couple of days.
If the statement refuse to accept, referring to any nonsense, then boldly begin to complain about various instances. We start with the head of the Sberbank branch and end with the prosecutor's office, Rospotrebnadzor and the Central Bank of the Russian Federation.
Failure to insurance after receiving the loan
You have a complete and legal right to seal your refusal after receiving a loan in Sberbank, and if everything is done in line with the law, then no one can "take away" a loan issued, and even no one in the bank does not look at you.
We are just talking about returning not approached the product, like with clothes.
Return of insurance in early repayment of the loan
Returning insurance in the event of early repayment of the loan is much easier than any other cases. Everything is logical - a loan ended, you fulfilled your obligations to the bank and insurance was not useful, despite the fact that it still acts. Why not return money for not to the end of the service?
How to return the money in this case:
- Carefully read the loan agreement, it is best to connect a lawyer at this stage (the fact is that sometimes the contract is made up so that bypassing the 958 article of the Civil Code of the Russian Federation and then return the insurance will not happen even through the court)
- If the agreement is ordinary without proud, then we find out the company - the insurer
- We write statements to the name of the insurance company for the return of insurance (sample statement above)
- Attach documents (list below)
- Personally submit to the office of the insurance company or if you live in a remote area, we send a statement by Russian Post with a notice of delivery
- When submitting a statement personally, we are convinced that an insurance officer put a mark about the reception
- If an employee refuses to accept a statement, we write a complaint addressed to the director with reference to 958 Law of the Civil Code of the Russian Federation
- If the company's director also refused, then write a complaint insurance company In all instances (Rospotrebnadzor, Prosecutor's Office, Central Bank of the Russian Federation)
To return funds for insurance after the payment of a loan in Sberbank, you must provide a refund and related documents to the insurance company.
Documents for refund (as in the case of the usual refusal of insurance within 30 days and in the case of returning insurance at early repayment of the loan):
- application for the return of insurance on the loan of Sberbank in an arbitrary form in the name of the insurance company
- copy of the passport
- credit Agreement (Copy)
- reference on the lack of debt in the form of a bank
How much can you return
Summing everything outlined in this article and conclusions from legislative baseAs in the case of the usual return of insurance (well, I did not like the goods), and in the event of a return of insurance in the early repayment of the loan in Sberbank, it follows:
- if you write a refund application within 30 days from the date of registration of the loan agreement, then you will be returned to the full cost of insurance
- if the application is submitted in the interval from 1 month to 3 months, then you should expect a return of 50% of the cost of the insurance policy
- if the application is filed much later than 3 months from the date of conclusion of the contract, then the calculation of the cost of returning insurance will occur in proportion to the days during which you used insurance services
- in any case, you lose 13% income tax From the cost of the insurance policy
Application for refund
Where to write a statement?
In the insurance company, in which insurance issued. In the case of Sberbank - you can apply in any branch of Sberbank.
How much to write statements instances?
Only two copies: one bank takes for consideration, and the second officer of Sberbank puts a mark on receiving a bank statement for consideration (this instance remains with you).
The experience of returning insurance insurance
History about returning insurance from the life of the borrower:
Materials on the topic
Loan insurance suggests that when insurance case The borrower's debt will still be paid by the company in which the policy was issued. The document begins to act immediately after signing the contract between the client and the SC. What risks are taken into account? First of all, this is a temporary or constant loss of working capacity due to the deterioration in the health of the Bank's client, the death of the borrower, the deterioration of the financial situation. The loss of work is taken into account. Also, if the deposit option is used, property rights are protected. Payments are carried out in damage to the object or its destruction in cataclysms, man-made catastrophes or natural disasters.
If you take a consumer credit, you can insure only life and responsibility. But the mortgage requires greater measures - as a rule, banks are proposed to arrange the protection of life and the client's property being laid.
It is worth noting an important point: the Civil Code of the Russian Federation provides that the insurance of consumer loans is voluntary service. If you take enough large amount For a long time, you can prevent possible trouble. But most often the borrowers refuse to this service. Another thing is a mortgage or car loan. Insurance of collateral is either necessarily, and if you refuse you, you may refuse mortgages. Or how to highly overstate the bet.
What does the legislation say?
Many borrowers still doubt the legality of compulsory insurance. However, the phenomenon is fixed by official documents. So, in the FZ% 102 "about mortgage" is written that the subject of the pledge (that is, the apartment) should be protected in the SC. The same applies to car loans: the provision is fixed in FZ No. 40 "On mandatory insurance civil liability of vehicle owners. "
The fact is that property acquired property, if it was purchased by special Program, goes to the pledge of the bank. So the lender receives a guarantee that he will receive money back, even if the borrower himself cannot pay the debt more. The laid apartment, the house or car will be sold at the auction - naturally, in the most extreme case - and the revenue will go to the closure of the resulting debt.
Important refinement: Reimbursement upon the occurrence of the insured event, the borrower itself receives, and the bank in which the loan was issued. Since the property was pledged to the credit organization, it is it considered the affected party.
What about consumer lending? In this case, the policy protects the interests of the borrower, not the bank. As we have already said above, voluntary insurance allows the Bank to client not to shift responsibility for their debt to relatives. Payments will perform SC, and the bank will receive commission profits from its promotion.
Is it profitable?
This issue should be considered in applied to voluntary insurance of consumer loans. But even so accurate answer is impossible. All individually. First of all, because the cost of the policy is determined by the cost of the loan. However, we can allocate the features of two types of lending.
Credit without insurance
The ability not to spend money on the purchase of polishes significantly facilitates the financial burden. Its price can reach several thousand rubles, and it is also expected to expect an annual extension of its action. It may turn out that the bank with less confidence will react to the borrower and requests documents from the place of work - for example, a copy labor book, certificates of salary.
- With polis
One of the most valuable advantages of insurance is in more favorable offers from the bank itself. So, you will be offered a larger limit or deadline, or they will reduce the rates according to your loan. In addition, the lending procedure is simplified online, and in many organizations is reduced required package Documents for registration of the application. Well, the most important thing: when the insured event occurs, you or your relatives do not have to return debt - it will give it to the SC.
But with all this from the point of view of the borrower, such a deal is not the most profitable proposition. At a minimum because the purchase of the policy is still overpayment. As a result, the protection of the SC may not be needed, but at the same time you will spend a considerable amount. Is it possible to return this money?
Cost and timing in Sberbank
How much will the policy cost and for how long is it usually drawn up? As a rule, the term of insurance is the same as a loan agreement. That is, if you make it up for consumer loan for a period of 5 years, the contract will be appreciated with the SC. The same applies to long-term loans.
The cost of the policy depends on the loan amount and interest rates for insurance. The higher the loan - the more the final amount will be. Interest for the service will also differ:
- From accidents - 0.30-1% of the cost of the loan at the base rate;
- Protection of life - from 0.30 to 4% of the cost of the loan per year;
- From cancer - 0.10-1.7%;
- Security insurance - from 0.70% per year.
The above bets are indicated by base fares. Remember that additional risks applied to each type of policies increase their cost.
Sberbank's customer insurance is usually engaged in his subsidiary. However, you can choose any other SC from the list of accredited organization. Check out S. full list link.
Is it possible to return money for insurance?
The most common question that is asked in financial forums is how to return Sberbank's loan insurance? And is it possible in principle? Unfortunately, the Bank's employees themselves often silence about such an opportunity. Meanwhile, it is a very real opportunity to refund your losses.
In what cases is it possible?
- Within 14 days after registration,
- With early repayment of the loan, when the need for a policy disappears.
Also provides for the option when no more than 30 days have passed since the conclusion of the contract - in this case, you can return 100% of the insurance premium if this feature is prescribed in the contract.
And when submitting an application later than 3 months from the date of payment, the return is calculated taking into account the number of days during which insurance was operating.
Within 14 days after registration
Until 2015, terminate the insurance contract, even voluntary, it was impossible. Many customers, not knowing that they can refuse to buy the policy, joined the dispute with banks, and, later, they sent the case to court. In 2015, the Central Bank of the Russian Federation issued a decree to oblige banks to provide for the "cooling period" - five days during which borrowers would have the opportunity to revise and double-check the documents received in the bank and decide whether this option is needed - or from it all Taki can be refused. Since 2018, this period has increased to 14 days.
The easiest way to cancel the loan insurance is to be submitted within the first 14 calendar days from the date of registration of the loan. To do this, you will need:
- Write a statement about returning to the Bank's Office or sending a document by mail. To the application you need to attach a check on the payment of award and other documentation that you received on the day of the transaction.
- We wait for the receipt of the paid insurance premium - as a rule, they are transferred within ten days.
By the way, different banks Set different periods of cooling - however, they should not be less than spelled out in the indication of the Central Bank of the Russian Federation. For some products, Sberbank has established a cooling period in a month.
Important! If the insurance fails, it is worth remembering that the percentage of the executed loan can grow. In addition, Sberbank, like any other credit organisation The Russian Federation may refuse to issue a loan without explaining the reasons according to current legislation.
How to return the premium if the cooling period has already passed? As reading the Civil Code of the Russian Federation, the return of the insurance premium is possible only during the cooling period, as well as in early repayment. Return money after the end of this period and until the full loan payment will be obtained only if the Bank has provided such an opportunity in the contract or through court.
Early repayment
You have exercised a loan before the designated period, fulfilled all your duties, but the contract with the SC is still acting. Sberbank makes it possible to return insurance and in this case, because you, in fact, cease to use the service.
For this:
- Carefully read the contract, ideally - with the connection of a lawyer, so as to eliminate the tricks prescribed by small font;
- If there are no exceptions in the contract, find out which company you are insured;
- Write an application to the SC name and attach the necessary documents (List below);
- Personally, transfer the application to the Bank or SC department, or send documents by registered letter with a receipt notice if you live in the SC district removed from the offices.
The application must be applied a copy of the insurer's passport, a copy of the loan agreement, as well as a certificate of the absence of debt.
Return of money through court
If the paid insurance premium has not been returned during the set time or you refused to return, first of all, familiarize yourself with the position of the insurer. The informed refusal should be considered cases when the client himself filed an application for refunds after the cooling period, and only when the contract itself does not provide for the return of the award.
Go to court is only if the arguments are illegal.
It is worth considering a number of features:
- The client has the opportunity to apply the law "On the Protection of Consumer Rights", which implies exemption from state duty, compensation for moral damage, as well as the recovery of a fine in the amount of 50% of the amount you need and so on.
- Under art. 395 of the Civil Code of the Russian Federation exists the possibility of recovering interest for the period from the date of the application on the day of the fulfillment of obligations;
- You can also require compensation of court costs.
First of all, remember that it is worth making an application and form a legal position only with the support of the competent person. Contact a lawyer who will not only help you draw up the necessary statements, but also protect your interests before the court.
The procedure for refunding insurance in this case looks like this:
- Make a statement. There is no specific form, but according to the content, it must correspond to the Code of Civil Procedure of the Russian Federation;
- If the amount of claims is less than 50 thousand rubles, the claim is sent to the world court. In other cases - in district Court At the place of registration of the defendant. If there is no such possibility - at the place of registration of the plaintiff.
- After that, the party will receive notifications from the date of the court session, in which both parties will provide evidence of their trial court.
As a rule, the consideration of the case in the world court takes up to 1 month, and in the district - up to 3 months. If there is an obvious violation of the legislation, the court may form a decision in one meeting.
How much can you return
Unfortunately, in some cases, returning money in full will not be easy. It all depends on what exactly you filed a statement.
- Up to 14 days - the total cost provided that the individual insurance contract was concluded;
- After 14 days - 100% of the amount, if the contract was not yet concluded. In other cases, the amount is calculated at the time of days during which insurance was operating;
- More than a year (with early repayment) - also calculated on the basis of the term of use of the Policy.
Output
Unfortunately, the practice of imposing insurance services in voluntary lending remains relevant regardless of the size and reliability of banks. However, the law also provides for the ability to return money spent on an unnecessary service. The main thing is to know your capabilities. The easiest way to abandon insurance during the cooling period. Therefore, we recommend to be as attentive as possible when issuing loans, as well as rechecked the documents received - the sooner you decide the resulting problem, the sooner you will get to return the tools.
Early repayment of the loan in Sberbank, the return of insurance - with a similar situation there is a chance to face each borrower. Even better striving for him. Because it is profitable! First, you return the tools spent for insurance, secondly, to save percentage of the loan, thirdly, improve credit history.
Return of insurance is carried out on legal grounds. After all, they insure you for the time of using a loan, and if your obligations to the bank are completed in early order, the bank is obliged to return the tools spent, because you no longer need it. Such rules operate in all state banks Russia, to which Sberbank also belongs.
But such conditions are not valid for all the proposed insurance options. Read carefully contract before signing. Insurance is an imposed service, and you are in the right to answer the refusal. But here it is possible to obtain a loan refusal.
Tip: Before agreeing on the design of a loan with insurance, carefully read the contract. The manager can tell you anything. Be vigilant, believe only what you find in the documents.
Under certain conditions, a full refund of the tools spent on insurance is possible. But this is possible before the expiration of 14 days after the registration of the loan. We just need to appear in the branch of the bank with a petition. And on the mortgage, this offer on applies.
But today our interest is a refund of insurance in early repayment of the loan. Next, consider the proposals of the bank and possible options Return.
Types of insurance
Insurance is a kind of protection of the bank and the borrower. And in some situations, it is a fairly profitable service.
No one knows in advance what will happen in the future. The contract is spelled out on the items, under what conditions the insurance takes effect. If such a case comes - the bank will be obliged to pay a loan for you. Insurance is three species:
- deposit insurance;
- insurance of the life and health of the borrower;
- insurance of mortgage property.
Insurance of the deposit and collateral is postponed today, we will focus on the second form of insurance.
Insurance of the life and health of the borrower
Insurance is valid in the following situations:
- loss of work status (in the case of mortgage);
- temporary disability;
- diseases (in the case of mortgage);
- death.
In the above cases, the Bank takes the obligations of the borrower on itself. A debtor, respectively, is exempt from further repayment of the loan. But what to do if nothing happened to the borrower, and the loan is repaid ahead of time? Read more about it.
In Sberbank, early repayment is available for loans with an annuity calculation method. An annuity repayment method is an option in which monthly payment It is regular, i.e. the amount is fixed. You have the right when paying a loan, to make as much as you think fit. If such an opportunity is available, it is best to do. Early repayment begins action a month after the conclusion of the contract.
In any period of the contract, you can apply for recalculation of debt or do it online, using Sberbank online. When paying a loan for the previously agreed period, the percentage for the unused period is not charged. And accordingly, it is possible to return the unsighted insurance.
Loan insurance can be returned in three ways:
- Complete cost of insurance. Within 14 days it is possible to return 100% of the cost of insurance. Simply put to abandon her.
- Half the cost of insurance. For six months, you can return 50% of the cost of insurance. The first and second ways are similar.
- Partial refund of insurance. After terminating the contract with the Bank, if it happened early, the payer has the opportunity to contact the branch of the bank, for the recalculation of insurance residues.
Partial return of insurance
Because insurance is designed for a loan period, then when repaying earlier installed deadlines There is a place to return the money after termination of the loan agreement, i.e., after its complete closure.
To do this, come to the branch of the bank with:
- a statement about the return of the insurance;
- passport;
- credit agreement;
- checks confirming early repayment.
After recalculation, you will be returned to the unsighted part of the funds. The sooner you expect a loan, the more you can count on. Insurance in Sberbank varies from 1 to 5% of the loan value.
Read carefully agreement. Sometimes it is built in such a way that the return of insurance is impossible even through the court.
What items in the contract refer to the return of insurance
Usually the insurance contract is included in the loan agreement, but it goes a separate sheet. It should be understood that the insurance contract is a separate service, and not a mandatory part of the loan agreement. I do not insure you, but an insurance company. In the insurance policy, there is such an item as the term of the contract. Usually it sounds like this: "N-number of days, from the date of write-off from the account of the insured in the bank of the insurance premium in full." N-number of days is the time of the contract.
The next item on which it is worth the focus is that it sounds like this: "The insured has the right to break the contract at any time, throughout the insurance contract."
If there is no absence of a portion, there may be difficulties upon returning funds.
Conditions of the Bank
Special conditions, as such, the bank has no. Just need to correctly compile a reversion application insurance fee and provide documents that confirm that the loan is paid completely and the contract with the bank can be terminated.
Failure to return insurance
After receipt of the application for reimbursement of insurance funds, the Bank must notify the decision within 10 working days, if the answer was not received or the answer came negative, the insured may apply to justice. And seek justice with justice.
If in the contract item marked above is absent, then the bank will legally give a negative answer. And the court in these circumstances will be powerless.
All of the above applies to consumer lending, mortgage, car loan. In all mentioned cases, it is necessary to act equally:
- Hike to the bank.
- Submission of documents.
- Waiting for 10 days.
- Hike to court with a claim.
I would like to note that in the event of a return of insurance, credit history does not suffer. You risk only losing your time, because the occupation is quite a long. But remember that you act legitimately and can get the rest of the unspent amount.
Today we looked at how to act when returning credit insurance in Sberbank. In the list of services provided by Sberbank, such a function exists and there should be no problems. Let's hope that this information will be useful.
Some programs have a prerequisite for life insurance. And even in cases where this procedure is voluntary, bank employees Recommended to issue an insurance policy to increase the chances of obtaining a loan. Consider what the policy gives when it is worth getting it and under what conditions you can return insurance after the loan is paid in Sberbank.
Features of voluntary insurance during loan
In the Consumer Loan Program, the registration of the insurance policy is not a prerequisite.- If the lending program does not require mandatory insuranceYou can refuse to design. But at the same time, it should be remembered that it is the absence of a policy that can cause the disapproval of the loan application.
- Life insurance when making a loan should not be considered as the desire of the Bank to earn. Polis is a guarantee that debts in unforeseen situations will not pay his relatives.
When you can return the insurance policy
There are two options for returning insurance: after repayment of the loan and within a month after approval of the application. In the second case, money is returned to the account. Refusing the policy, the loan amount becomes higher than when signing an insurance contract. This is because the insurance is paid by the Bank himself and takes into account this amount when repaying the debt on the loan. And since there was a failure, money for the policy can be transferred to the credit account.Insurance procedure is carried out within special project from subsidiary - Sberbank insurance. The policy is drawn up in case:
- unhappy incidents, as a result of which disability;
- death.
Insurance benefits when making a mortgage
Sberbank even goes on concessions to customers with a policy - lowers a bet by 1%. If we take into account the amount of such loans, then this is a good discount for responsible citizens.
The list of risks for mortgage loans is expanded and includes additional items:
- diseases and injuries caused temporary disability;
- unforeseen financial difficulties of the family;
- loss of work due to reduction or dismissal is not in its fault.
The recipient of insurance can be a close relative, an heir appointed by the client. In the event that the borrower cannot fulfill its obligations to the bank, the heir receives insurance and further independently repays a loan.
Insurance after full loan payment
In the event that the loan is paid ahead of schedule, the insurance policy does not lose its relevance. It is allowed to return some part of money paid under the insurance contract. The policy ceases to act if one of the following requirements is complied with:- written a refusal;
- comes one of the insurance claims;
- the borrower is seriously ill, and insurance cannot be issued by law.
Frame return procedure
The amount of money that can be obtained varies depending on the acquisition time of the policy:- up to the month. If there was a refusal of insurance at this time, the whole amount returns;
- up to six months. Return of funds is no more than 50% of the insurance price;
- more than six months. In this case, it is not worth counting on compensation for insurance. To court, you can contact after the bank failure, but it is impractical because it will be returned small sum. At the same time, he needs to submit evidence that cash there is also.
It should not be expected that the lending manager will tell about returning insurance. Knowing about such an opportunity, you should deal with this question yourself, after receiving full information. The procedure is as follows:
- visit the office of the bank or insurance company;
- leave a request and specify credit data;
- attach an extract confirming the absence of debt (it is taken in the bank);
- papers are transmitted to the manager and are considered within a certain period;
- if the application is not considered, the institution should be visited again.
What documents are needed to return insurance
To use the return of insurance after paying a loan in Sberbank, you should fill out the application and provide a certificate of early loan repayment.(Dropping: 2741)
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(Dropping: 1638)
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How to abandon the insurance policy, returning your money
It is difficult to do it, since Bank employees in every way impede it. The procedure is as follows:- visit the institution within a 30-day term;
- leave a request and specify credit data (without explaining the reasons for refusal);
- register a statement and waiting for consideration. If necessary, seek an answer through the court.
The amount of returned funds
The cost of insurance depends on the lending project. Standard option - 2.09%.But there may be others:
- ordinary cases, dismissal from work (by someone else's fault): 3.09%;
- composite project with selected parameters: 2.6%.
Insurance operates 12 months, but it is possible to extend. If a mortgage has been provided, the action of the policy can be renewed many times. If more than six months passed, insurance can no longer be returned.
What to do after full loan payment
When the loan is repaid (ahead of schedule or on time), you need to decide on the policy. It can be left or stopped and returning money, subject to the conditions. If the insurance continues to act, the first thing is to change the recipient. The procedure is as follows:- visit the office of the insurance company;
- fill out the application and confirm the absence of debt, taking an extract from the bank;
- change the recipient or choose another project, not credit;
- after signing the contract, the insurance policy continues to operate.
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Mandatory Insurance when making a mortgage
If health can be insured voluntarily, then for real estate when mortgage lending It is necessarily acquired by the insurance policy. Otherwise, the application will not even be adopted for consideration. This rule is supported by law, since:- guarantees the bank refund;
- guarantees compensation if the object of real estate will be unreasoned (with the help of these funds it is possible to repair or repay a part of the loan);
- if the real estate is destroyed, the client is released from repayment of the loan completely (the money returns the insurance company).
- natural cataclysms;
- fires and floodings;
- theft;
- the destruction of the object (naturally, not voluntary).
Recommendations from a specialist in the return of credit insurance (video)
The lawyer gives general recommendations for the return of insurance in the 30-day period after approval of the application.
Nowadays, banks are actively trying to increase their profits in various ways. One of these methods is the acquisition of insurance by the client, when placing one of the banking services. Therefore, it will be useful for you to learn how to legally competently refuse to insurance after you have already received a loan, how to return the insurance that you have imposed on, as well as how to return insurance with early repayment of the loan.
What is a loan insurance
Let's first figure out with the meaning of such a concept as insurance.
Loan insurance - This is an insurance product that reduces the risks of the bank in case of unfavorable situations in the life of the borrower, as well as insures the life of the client.
Thus, in the event of a loss of a borrower of work or other adverse situations, the insurance company will take on all burden of responsibility to the bank.
The percentage of insurance directly depends on the amount taken on credit. We take more - expensive will cost more. No one will work at a loss - therefore it is not worthwhile to be surprised by the cost of insurance for a large loan.
What can I insure a loan
- if you have received disability
- serious illness
- loss of work
- deterioration of the financial situation
- death of the borrower
If you are going to take (including), then you will insure our life and responsibility. And in the case of or any other loan, where deposit is required, you will need to insure my life and still laid property from damage.
Attention! According to Civil Code of the Russian Federation, consumer loans insurance not necessarily and produced at the request of the borrower. In the same time security insurance is mandatory In case this is a mortgage or any other loan requiring a deposit to obtain it. But in this case, the responsibility to insure you are no longer required.
Why need to insure a loan
In the interest of any stable developing bank, the maximum reduce the percentage of non-payment of loans. As for Russia, the situation is not easy here and therefore nothing remains to "impose" insurance to all customers. Insurance is a very profitable business, so many banks create their insurance companies and then make them part of their holding. Thus, it turns out to be earned on and on dubious use of the service called "Insurance".
Is the loan insurance benefit from the borrower?
If you look from the point of view of an ordinary person - then, of course, it is unprofitable. After all, the loan amount increases in addition and the amount of insurance. And who wants just to pay interest for "air"? Well, if your activity is associated with risks and a great probability of being dismissed or lose performance, then you will have a certain benefit from insurance.
Useful information! Often consultants in the bank argue allegedly indirect advantages of insurance Such as, for example:
If you lose your work, your debt will be closed by insurance or if you become disabled. In addition, if you die, then the debt will close and it will not pass by inheritance. And now let's consider detail these approval. Loans mainly take people from 18 to 45 years. How long do you defeat without work? I think no. You will quickly find a new one. Would you dream of becoming disabled in the fastest of your vitality? Also no. Well, if you die and the heirs do not enter into inheritance, then the loan also does not transmit. Such here are the benefits of insurance.
Insurance costs and timing
We think you will also be interested in finding an answer to the accompanying question: "How much will insurance cost and for what time it is valid?"
The term of the insurance policy is exactly the same as indicated in the loan agreement. If you took the loan for 3 years, then insurance will be valid 3 years.
Sberbank has his own daughter, which is engaged in insurance - "Sberbank Insurance"
Insurance costs:
- insurance against accidents from 0.30 to 1% of the cost of a loan per year + a set of paid additions to the base rate
- life insurance from 0.30 to 4% of the cost of a loan per year + paid additions to the base rate
- insurance against cancer from 0.10 to 1.7% + paid additions
- insurance of collateral from 0.70% per year from the loan amount + paid additions to the basic tariff
The amount of the loan depends on the two criteria: this is the interest rate for insurance and the loan amount. As we have already discussed above, the higher the amount of the loan - the more the final amount of insurance insurance will be.
Features of insurance in Sberbank
- obtaining insurance when making a consumer loan is not mandatory
- paradox between the law of the Civil Code of the Russian Federation and Life: in case of refusal of insurance, Sberbank has the right to refuse to issue a loan
- in the case of a mortgage, you must insure a real estate object that serves as a deposit on the loan, from damage (this is the law)
- You have the right to return the insurance on the loan of Sberbank ahead of schedule, without waiting for its end of its action, but only if no more than 30 days passed. In this case, you return 50% of the cost of insurance or make the recalculation of the repayment of the loan of the loan by day
- return of credit insurance in Sberbank is carried out in accordance with the provisions of the Civil Code of the Russian Federation
- You have a complete legal right to refuse to insurance on a loan, even after receiving a loan within 1 month from the date of signing a loan agreement and produce a "return service" without changes in lending conditions.
Sberbank imposes insurance when making a loan, what to do
And what if Sberbank imposes insurance when making a loan? Is it legal?
It is illegal! In this case, you need to be guided in this case. Otherwise, sanctions will be applied to the Bank.
The law also contains information that the borrower has the right to return the full cost of insurance. if from the date of the loan not more than 30 days passed , and if from the date of registration passed more than 30 days , but the term of the insurance policy has not yet expired, then returns only 50% From the cost of insurance.
But if we are talking about mortgage lending (mortgage), the law obliges a borrower to insure the laid real estate (Civil Code of the Russian Federation No. 102 Article 31), and no longer fails.
Tip! Thus, if the bank refuses you to issue a loan, due to the fact that you abandoned insurance can be submitted to the Court, but this is an option if you have money and time. And if you want to achieve your goal and get the desired credit, then boldly agree to insurance and within 30 days after the conclusion of the contract, give up insurance, writing a statement in the Bank's Office and return the full cost of insurance yourself.
How to return money for insurance
Does the money for insurance on a loan in Sberbank return?
Answer: Return if no more than 30 days have passed since the loan, if more than 30 days passed, but the term of the policy has not been over, then you can return only 50% of the cost, and it is also possible to return money for insurance in the case of full or partially ( What does not affect the provisions on the return of insurance costs).
And now about how to return insurance on the loan of Sberbank.
Attention! There is such an opinion that it is possible to return insurance only with early repayment of the loan. This is not true! Insurance can be returned throughout the term of the loan and insurance. Unknown remains only what amount will be able to return.
How to return insurance:
- We take two sheets of paper and write a statement in two copies in the name of an insurance company in which insurance is framed. In our case, this is Sberbank Insurance LLC.
- Collect all the necessary documents (the list of necessary documents is listed below)
- Submit an application personally to the office of the insurance company, in our case we go to
- Employee accepts your application and puts a mark on acceptance of the application
- We are waiting for traffic on our issue. Usually it is a couple of days.
If the statement refuse to accept, referring to any nonsense, then boldly begin to complain about various instances. We start with the head of the Sberbank branch and end with the prosecutor's office, Rospotrebnadzor and the Central Bank of the Russian Federation.
Failure to insurance after receiving the loan
You have a complete and legal right to seal your refusal after receiving a loan in Sberbank, and if everything is done in line with the law, then no one can "take away" a loan issued, and even no one in the bank does not look at you.
We are just talking about returning not approached the product, like with clothes.
Return of insurance in early repayment of the loan
Returning insurance in the event of early repayment of the loan is much easier than any other cases. Everything is logical - a loan ended, you fulfilled your obligations to the bank and insurance was not useful, despite the fact that it still acts. Why not return money for not to the end of the service?
How to return the money in this case:
- Carefully read the loan agreement, it is best to connect a lawyer at this stage (the fact is that sometimes the contract is made up so that bypassing the 958 article of the Civil Code of the Russian Federation and then return the insurance will not happen even through the court)
- If the agreement is ordinary without proud, then we find out the company - the insurer
- We write statements to the name of the insurance company for the return of insurance (sample statement above)
- Attach documents (list below)
- Personally submit to the office of the insurance company or if you live in a remote area, we send a statement by Russian Post with a notice of delivery
- When submitting a statement personally, we are convinced that an insurance officer put a mark about the reception
- If an employee refuses to accept a statement, we write a complaint addressed to the director with reference to 958 Law of the Civil Code of the Russian Federation
- If the company's director also refused, we write a complaint against the insurance company in all instances (Rospotrebnadzor, Prosecutor's Office, Central Bank of the Russian Federation)
Documents for refund
To return funds for insurance after the payment of a loan in Sberbank, you must provide a refund and related documents to the insurance company.
Documents for refund (as in the case of the usual refusal of insurance within 30 days and in the case of returning insurance at early repayment of the loan):
- application for the return of insurance on the loan of Sberbank in an arbitrary form in the name of the insurance company
- copy of the passport
- credit Agreement (Copy)
- reference on the lack of debt in the form of a bank
How much can you return
Summing everything is set out in this article and conclusions from the legislative framework, as in the case of a normal return of insurance (well, I did not like the goods), and in the event of a return of insurance in the early repayment of the loan in Sberbank, it follows:
- if you write a refund application within 30 days from the date of registration of the loan agreement, then you will be returned to the full cost of insurance
- if the application is submitted in the interval from 1 month to 3 months, then you should expect a return of 50% of the cost of the insurance policy
- if the application is filed much later than 3 months from the date of conclusion of the contract, then the calculation of the cost of returning insurance will occur in proportion to the days during which you used insurance services
- in any case, you lose 13% of income tax on the cost of the insurance policy
Application for refund
Where to write a statement?
In the insurance company, in which insurance issued. In the case of Sberbank - you can apply in any branch of Sberbank.
How much to write statements instances?
Only two copies: one bank takes for consideration, and the second officer of Sberbank puts a mark on receiving a bank statement for consideration (this instance remains with you).
The experience of returning insurance insurance
History about returning insurance from the life of the borrower:
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