Sometimes such situations occur when a person draws up a loan at a financial institution and problems arise with its repayment. In this case, the question arises of what will happen if you do not pay a
loan to the bank.According to statistics, many customers who choose not to pay a loan remain solvent citizens. Borrowers simply evade their obligations. And there are numerous reasons for this. Some simply do not want to give their own savings, others are sure that the lender requires high interest rates, etc.
But it must be remembered: if a person is “hanging” a loan, then he must repay it. Although when he is not afraid of difficulties and dangers, you can continue to ignore the lender and find out what will happen if you do not pay the loan to the bank.
What is the percentage of no return?
In any credit structure there is the concept of "percentage of default." In other words, the lender establishes a fixed percentage that covers all costs of a registered loan, which the borrower must repay. The minimum threshold for this indicator is 3% of the loan amount.
Still, do not pay the loan, as the lender does not want to part with his finances just like that. The organization will take all measures to repay it, and then the borrower will understand what will happen if you do not pay a loan to the bank. At first, a financial institution employee will act gently and call for a conversation. During it, it will announce the amount of the debt and find out the reason for non-payment. In such a conversation, one can hear familiar phrases from the borrower: "I remember about my loan, but now I can not repay it, because there is nothing to pay the loan." What to do in this situation, so as not to bring the case to court? You can agree that within a few weeks the amount will be repaid, but you should not become impudent and ask for months to repay the debt. Some borrowers, thanks to these promises, may defer payment for a sufficiently long period. However, in a large bank such a scheme of promises will not work, and you will have to pay on time.
What will happen if you do not pay a loan to the bank even after the promised time has passed?
In this case, banks resell debts to collection companies, which beat them from debtors. Their goal is to return the money at any cost, so by any legal means they will begin to put pressure on the client. Every day, employees will not only call by cell phone, but also come home and demand to return debts. Do not hide, as collectors can start calling your loved ones and threatening. They can be frightening, saying that if you do not pay the loan, they will be sent to prison for a long time. Collectors will do everything for you to stop sleeping peacefully. They will take the matter to court, and bailiffs will start to visit you. You can, of course, hide and not open the doors, but the truth is on their side, and you just violated the terms of the contract and will have to be punished.
You can hide for three years and wait until the statute of limitations expires, but you will never be able to get a loan again.