How to write and submit an application for loan restructuring at Sberbank. Sample of filling out an application for loan restructuring at Sberbank

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 a citizen’s conditions have changed and he wants to include them in the parameters of the selected lending program, it is permissible to write an application for loan restructuring at Sberbank. Let's consider the order and features of the procedure.

Reviewing the terms of the loan helps to find a compromise between the borrower and the lender

Today, Sberbank is obliged to accept an application for loan restructuring (the sample does not differ from the forms of other institutions) from the client at his request. It is permissible to request changes to the loan agreement under the following circumstances:

job loss;
change in financial well-being for the worse (lower wages);
the birth of a child in the family, which entailed unplanned expenses;
the need to support an incapacitated relative;
long-term illness (temporary incapacity);
other reasons requiring systematic expenses not previously taken into account.

Grounds for reviewing the terms of the loan agreement

When is a deferment possible under a loan agreement?

Under such circumstances, it is better to contact the bank and insist on changing the terms of the loan agreement than to try to solve the problem yourself. This way, the borrower will have the opportunity to change the terms of the loan or receive an official deferment. Otherwise, there may be delays, penalties or fines, which will deteriorate your credit history and have far-reaching consequences.

There are several options for renegotiating a contract.

The banking institution will readily reconsider the new characteristics of the borrower, because it is interested in repaying the debt. Rather than lose a client and his debts, it is better to find a consensus that will satisfy both parties. For example, at the birth of a baby, the bank allows a deferment for a year. Sometimes you can request a longer period if the financial situation in the family is unfavorable.

How to submit an application for restructuring

Official confirmation of the reasons why a review of credit obligations to individuals is necessary

When considering the form for review of credit obligations, a sample of which is presented below, you can note that it must be written by the borrower, but also have the signature of the co-borrower. In this case, it is necessary to clearly indicate the change in parameters and the date from which this occurred.

Features of filling out an application

The client can request to change the interaction option with the banking institution in several ways:

reduce the amount of mandatory payment;
assign a different frequency (quarterly or annual);
replace the security form.

Application methods

The last item should be selected if it becomes possible to use real estate as collateral. This will also have an impact on some previously agreed terms, such as the rate. If, on the contrary, there is a need to sell the car or replace it with another, this should also be noted in order to remain within the law.

When filling out the form, indicate the best option for changing the terms of debt repayment

If the reason for the request to revise the terms of the contract is related to the guarantee (the refusal of the guarantor to further perform this function or the emergence of an opportunity to attract one), this should be noted as a separate item.

Restructuring of a loan from Sberbank to an individual, the application for which has been completed in accordance with the requirements of the institution, is mandatory. The bank will not refuse such a law-abiding client. On the contrary, it will be taken into account during further interaction. If the product was issued with guarantors or co-borrowers, they must be informed about the application. They must provide written consent to submit it or refuse. Their answer must be entered.

Thus, an application form for revision of repayment terms should be submitted whenever there is any change in your characteristics. When faced with a problem, don't try to solve it yourself. The bank needs to be familiarized with them in order to revise the principles of debt repayment so that the borrower can fulfill its obligations in full.

Restructuring of accounts payable (video)

From this video you will learn what you should pay attention to when reviewing the repayment terms of various loans.

Conclusion

If a situation arises when it is difficult to comply with the obligations assumed to repay the debt, the borrower has the right to contact the financial institution with a request to revise the loan obligations. This is the most correct decision - to start a dialogue with the bank that benefits from debt repayment. In addition, the client will not be included in the database of malicious defaulters. In the future, this will not become an obstacle for him when applying for other banking products.

A loan restructuring questionnaire will help maintain and ease the burden of repaying loan funds to the lender. It is an application for changes to the original terms of the agreement for the provision of credit funds to reduce the payment charged monthly.

Questionnaire for loan restructuring at Sberbank

The issue of restructuring bank loans has been particularly relevant since 1995 due to a decrease in household incomes. Banks accumulate reserve funds for possible losses on loan payments. Each unpaid loan increases the percentage of financial losses, and forces financial institutions to freeze a certain amount of funds in reserve. That is why banks provide the opportunity to help the borrower pay off debts without problems, making some concessions so as not to completely lose profits in the event of an unpaid loan.

Thus, in order to get more convenient conditions for paying off your debt, you can fill out a loan restructuring form at Sberbank. To do this, you will need to contact a branch of a banking organization to obtain the appropriate form and fill it out, or simply download it from the Internet and fill it out at home.

What is a loan restructuring application?

The form described is an application for loan restructuring; it only takes a few minutes to fill out. The method of submitting the document differs depending on the type of loan.

In order to apply to fill out a loan restructuring questionnaire, mortgage holders will need:

Contact the branch of the bank that issued the loan;
Submit an application to review the terms of the concluded agreement;
Submit proof of a decrease in monthly income by more than 30% or the total family income is less than 2 subsistence minimums.
Provide the rest of the document base indicated below in the article.
Sign an additional agreement to the loan agreement and draw up a new payment schedule.

If you have previously taken out a consumer loan or to purchase a car, then the following requirements are imposed:

Contact a Sberbank branch;
Submit the appropriate application and fill out the application form for loan restructuring according to the sample provided by the bank employee;
Provide documents about the impossibility of making loan payments in the prescribed manner (this may be evidence of loss of a job, a decrease in income, the appearance of disability, the availability of parental leave for a child under 3 years old, the loss of a breadwinner, mobilization into the army, etc. )
To restructure a loan for the purchase of a personal car, you must additionally submit documents for the vehicle.
Wait for a positive decision;
Sign a new payment schedule.

If you find that you are unable to make the next payment, experts recommend not delaying the submission of the appropriate application, so as not to expose yourself to the risk of ruining your credit history. If you contact the bank after the delay has begun, then it will no longer be possible to restructure the debt. In order for the bank to agree to make concessions, convince it that your financial difficulties are temporary and will soon disappear. But even if you were denied restructuring, you can apply for refinancing.

What is included in the sample form for filling out a restructuring questionnaire?

To provide more convenient conditions for paying for credit loans, the bank must collect as much detailed information as possible about you. To get all the information about you, he provides the opportunity to fill out the appropriate form.

A sample form for filling out a loan restructuring form at Sberbank contains the following information:

Client information;
About official employment;
About the availability of property;
About average monthly income;
About the presence of debt obligations;
Additional information (availability of Sberbank of Russia bank cards, whether there are relatives working in this bank);
Confirmation of bank information and conditions;
Code of the subject of the credit history (filled in by the bank employee);
Places for the signature of the client, the operator accepting the questionnaire and the employee who registered it.

Before filling out the loan restructuring form at Sberbank, make sure that you meet the above conditions. In this case, you can reduce the loan payment by up to 10% of the remaining amount, but in an amount not exceeding 600,000 rubles.

How to fill out a debt restructuring form correctly?

By filling out the application and questionnaire, you can postpone the loan repayment period (by a year for a car loan or 2 years for a consumer loan) or increase the period for which the agreement was concluded (up to 10 years for a mortgage, but not more than 35 years in total and for 3 years on a non-targeted loan, but not more than 7 years in total). At the same time, in relation to a specific client, the bank can apply various refinancing methods.

How to fill out a loan restructuring form at Sberbank, ask an employee of the operations department at a bank branch. Take the question of how to correctly fill out a loan restructuring questionnaire with full responsibility and remember that you are drawing up an official document. Based on it, your restructuring may be denied or a positive decision may be made.

You can fill out the application form for loan restructuring at Sberbank in person by downloading it and filling it out in a relaxed atmosphere at home. Other banks require personal presence when filling out documentation.

How can I submit a loan restructuring application?

You can submit a completed questionnaire for a preliminary analysis of the possibility of loan restructuring in your own hand when contacting a bank branch or by sending a registered letter. If you use the services of another financial organization other than Sberbank, please note that not all banks provide restructuring services. Therefore, it is recommended to first obtain the necessary information and then fill out the document.

For an example of filling out a loan restructuring form at Sberbank, see the photo.

Finally, please note that from a legal point of view, loan restructuring is the conclusion of a new agreement with different conditions. In this case, the previous agreement officially terminates, for which a new agreement must be drawn up; the previous agreement is no longer relevant.

So, if you find that you are unable to make the next payment, you can get out of the situation by submitting an application and filling out a form for loan restructuring at Sberbank. Prove that you really need easier payment terms under the loan agreement, and you will get the opportunity to not only increase the loan payment term, but also its size by 10%. And remember that without waiting for late payments on your previous loan.

Registration of loan restructuring at Sberbank will allow an individual to reduce the monthly payment on a consumer loan in the event of a decrease in income. The procedure consists of 3 simple steps.

What you can get as a result: types of restructuring at Sberbank

Loan restructuring is a change in the terms of a loan in order to reduce the credit burden on the borrower. Depending on its type, you can change: the loan term, the amount of payments, the payment schedule, the currency, and also receive additional benefits.

Restructuring options for Sberbank clients:

Payment deferment. This procedure allows the client to find funds to pay off the debt. The deferral limit is 12 months.
Extension of the term of the loan agreement. A consumer loan, which is issued for a period of up to 7 years, can be extended for another 3 years. This will reduce your monthly payment. The client must be prepared for the fact that the final overpayment will be greater than the initial one.
Changing the loan repayment schedule. A different payment date or a change in the repayment amount in different months may be proposed. If the work is seasonal, the credit load is redistributed to the “profitable” period.
Changing the loan currency. The debt will be converted into rubles.

Several options can be used together. Additionally, you can get a cancellation or reduction of fines for late payment of debt.

Option	What will this give the borrower?	In what case is it suitable?
Payment deferment	“Credit holidays” will allow you to temporarily not pay a loan (or pay less) in order to solve other problems	In case of a temporary decrease in income: job loss, long-term sick leave, maternity leave, etc.
Extension of loan term	The payment will be reduced for the entire loan term	With a constant decrease in income or increase in family expenses: divorce, birth of a child, salary reduction
Change of schedule	The date and amount of payments will correspond to the time of receipt of income	When changing the salary payment date, when changing work to seasonal
Currency change	The debt will be fixed in rubles and will not depend on exchange rates	If the loan currency is dollars or euros, and the salary is in rubles

In the banking industry there is a concept repeated restructuring. If the borrower has not improved his financial situation within the allotted time, he can apply for a re-review of the loan terms. Getting a positive decision is more difficult, but also possible.

To whom and in what case does the bank approve the restructuring?

To successfully resolve problems, the bank puts forward additional requirements:

substantiation of reasons and provision of documents for reviewing loan parameters;
the total debt burden should not be very large;
It is possible to attract a guarantor (preferably).

An approximate list of reasons that Sberbank considers valid:

loss of job, temporary impossibility of employment;
salary reduction or loss of additional income;
maternity leave;
military service;
loss of ability to work due to serious illness or disability;
death of the borrower or a family member of the borrower;
late payments for more than 30 days due to unforeseen circumstances.

The bank is not obliged to restructure consumer loans at the request of the client. But this deal is usually beneficial to both parties, so the lender often accommodates.

The main criterion for a positive decision by the bank: the borrower cannot fulfill the terms of the agreement for reasons beyond his control, but restructuring will solve the problem, and the loan will be repaid in the future without delays.

The client must assure the financial institution of the advisability of revising the agreement and the possibility of repaying the debt in the future. According to borrowers, if changing the payment structure only delays time and leads to debt arrears in the future, restructuring will be denied.

How to restructure: step-by-step instructions

To carry out debt restructuring, you must contact the Sberbank branch where the consumer loan agreement was drawn up.

The process of registration and provision of services includes the following actions:

Step 1. Consultation.

Familiarization with current programs and additional tools as part of the restructuring. Selecting the most advantageous offer.

Step 2. Submission of documents.

Filling out and submitting a questionnaire and application to the bank, collecting and providing the necessary documentation (form and sample, as well as a list of documents are given below).

Step 3. Receive a decision from the bank and sign amendments to the agreement.

The decision on restructuring is made, as a rule, within 5–10 days. However, if the amount is large, consideration of the issue may take up to 30 days.

When receiving a decision on restructuring, be sure to carefully read the new payment schedule and make sure that the new terms are suitable before signing it.

The bank can cancel the fines unilaterally. Any other changes will require the signing of additional agreements.

Application for loan restructuring at Sberbank: form and sample completion

The application form for restructuring contains the necessary information about the agreement, the desired method of changing the terms of loan repayment, the reasons for contacting the bank and the prospects for repaying the debt.

If the client attracts a co-borrower or provides collateral, he must indicate this in the document.

A sample of filling out an application for loan restructuring can be viewed at the link provided.

Questionnaire for restructuring a Sberbank loan: form and example of completion

A loan restructuring questionnaire can be obtained from Sberbank employees or downloaded from the link.

The document must provide basic data and information:

personal and passport data, education, place of residence, marital status;
place of work, income;
other loan obligations;
availability of property;
participation in a salary or pension program.

An example of filling out a loan restructuring questionnaire:

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What documents are needed?

The package of documents is approved by the bank and must be agreed upon with a specialist depending on the specific situation.

Standard package includes:

application and questionnaire;
passport of the borrower, co-borrower, guarantor (if available);
document on financial status for 6 months;
a copy of the work record book or employment contract;
documents – grounds for restructuring.

To confirm the reasons for the restructuring, the client must bring to the bank: a work book with a notice of dismissal, a certificate from the labor exchange, an extract from the salary account, a medical certificate, an extract from the hospital.

In addition, the client may additionally be required to provide documents on the pledge (if issued), a certificate of pension accruals, a declaration, and an extract from the salary card account.

Pros and cons of restructuring

The procedure for changing the structure of debt repayment is beneficial to both parties to the legal relationship. The bank thus avoids losses, and the client receives more convenient loan conditions.

For the client, this procedure has its pros and cons.

Benefits for the borrower:

absence or reduction of fines;
maintaining a positive credit history;
additional time to solve your problems;
smaller monthly payments;
release of additional funds.

But for the client there are also negative aspects of such a transaction:

increase in overpayment in case of delay or change in deadlines;
extension of the term of obligations.

In addition to the above restructuring options, there is another way to reduce loan payments.

Another option on how to reduce a loan at Sberbank

An additional way to reduce the amount of overpayment and (or) the amount of payment is refinance debt on more favorable terms.

A rate reduction will either result in lower monthly payments or faster loan repayments. In any case, the overpayment will be reduced, but with the second option there will be more savings.

Currently in Sberbank there is an opportunity reduction of rates on previously issued loans. This is achieved by covering all existing obligations with one new loan. On preferential terms, you can refinance several loans that were issued not only at Sberbank, but also at other credit institutions.

When choosing an option to change the terms of a loan, be it restructuring or refinancing, it is important to correctly assess your ability to make payments in the future.

Loyal conditions will increase the chances of approval by Sberbank: a complete package of documents, attracting a guarantor or providing collateral in the form of a vehicle or real estate, a good credit history in the past.

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:
(downloads: 3644)
View online file:
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.