Recently NBU said that in August the proportion of problem loans increased by 0,6% points and by September 1, has reached 6,8%. As you can see, the trend is not the most joyful, and this means that the number of troubled banks may increase. What to do if you are on your head as a client, a financial institution, recognize Komsomolskaya Pravda.

 

with the card at the exit

first victims of troubled banks are those clients who receive wages through it. Agree, very unpleasant day pay to know that there is no money at an ATM in the bank till they are finished. Some of our readers go through this at the end of the last or the beginning of this year and that's what this advice:

- In his time at a salary card in one of the banks I have stuck more than 10 thousand hryvnia - says kievlyanin Andrei Demchenko. - In the bank till they were not given, foreign ATMs took more commissions, and then also began to refuse, so I was paying it in all stores, where they were POS-terminals. Even when we were sitting in a cafe with friends, then I paid card, and Cash, which all dropped to the account, collecting itself in a purse. This lasted for about two weeks until the bank has not started to lower limits for the payment card in the shops and finally found them at 300 hryvnia per day. But by the time I spent almost all.

Naturally, in such a situation, you should first go to the accounting department and agree that the money you pay in cash. Or ask to transfer your salary to a more secure bank.

Most experts say that to heighten the need to have some peace of cards - in case of problems with one of the banks you will have access to money in other accounts. In general, it only confirms the popular proverb, recommending to lay eggs in different baskets.

As pensioners receiving pensions through the bank, then at the first symptoms of financial instability to transfer his pension to the post office. This should go to the Pension Fund and write a statement.

Making translate

Some people may have problems with conventional current accounts. Well, not paying financial institution, and that's it. To receive money from the bank, which tries to stop them by any means, you can try to transfer them from your current account in the problem at its own expense in a safe bank. It is true, then have to pay a fee for this service (about 1%), possibly to 5.10 hryvnia for opening a current account, but it is not excluded that the money will get in a few days. At least in the first weeks after the onset of financial problems of such an option usually goes.

After a month, the situation is usually worse. As practice shows, in some banks even to have to transfer funds from savings demand deposits on current account, required at least a month. So do not hesitate to call your bank on any subject and learn all the conditions and timing of payments.

Deposit: withdraw or change

Today, banks that do not put the interim administration, there is no reason to deny you the early return of your deposit. However, to get your deposit in the troubled bank will have to sweat.

We have often talked about how to behave in this case. If you refuse to pay, it is desirable as soon as possible to file a lawsuit. In this case, there is a chance that you will try to reach agreement and may still return the deposit. Although if the bank is already insolvent, even a court victory does not guarantee a refund.

- If you win a court that does not mean that you get the money - says the chairman of the Union of protecting depositors' Nellie Bosieva under discussion club All of the deposits, which took place in the editorial Komsomolskaya Pravda . - When you have a decision in its favor, then the next thing - for the executive service. But I do not know a single case, and I'm 9 years working on these issues to using this service have been returned to the money of depositors.

Therefore, many owners decide to exchange deposits hung his deposit on a car or real estate with those unlucky customers of banks that offer credit and can not pay it. If the bank is against such a deal, it is the most usual netting - I weep for you loan, but you tell me you give collateral. From a legal point of view it is issued by the registration of three documents: the purchase and sale contracts after obtaining the consent of the Bank, the assignment of the right requirements and an agreement on admission counterclaims.

happens that some sellers agree to exchange land or an apartment, which is not in the pledge of the bank, hung in the deposit. After real estate prices have fallen, and even hang a deposit - this is a higher chance before the election to exchange it for real money.

- To do so, to conclude a contract of sale of land and contract negotiation, according to which the investor transfers the right to claim a contribution to the owner of the land plot - said lawyer Michael Yumashev. - Most importantly, for the implementation of the transaction do not need the consent of the bank. Look in the treaty to ban an assignment was not registered in it.

When such exchanges deposit sold at a discount of 20-50% of its nominal value on the other hand, and real estate is seriously lost in value compared with last year. As for cost, you will have to pay tax on the sale of property, state tax, and pay the notary fees.

Loan: calls for the restructuring

Oncethe banks start to financial problems, he usually becomes more accommodating to those borrowers who are in a difficult financial situation and can not currently pay the loan. To ensure that at least some flow of funds in such financial institution willing to restructure loans, increasing their time or providing credit vacation.

- At the end of last year, I lost her job and could not pay the loan, - says Olga from Kiev. - Bank, which introduced a temporary administration, went to meet me and gave credit vacation for six months - I paid only the interest. A friend of mine was unable to agree with another bank, in which the problems are observed. So I think I was luckier than her.

way

Seven signs of problems in the bank

1. Clients can not pick up a deposit in advance.

2. The bank reduced daily limits on transactions with payment cards.

3. Branch Bank began a mass close.

4. On the Internet there is information that the bank delays payment for more than one day.

5. Your financial institution ATMs are often empty or not working.

6. For some time before the end of the contract term you will begin to call and strongly suggest to extend the contract.

7. In the ward you are persuaded to extend the deposit agreement, and give the money in his hands refuse.

Andrew Gatsenko

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