Sberbank loan payment: via ATM, terminal, online and from the phone

If you do not want to fill in the information manually every time you pay and constantly keep in mind the payment schedule, this service is for you. The essence of auto payment is that the money from your card will be automatically transferred to the credit account every month.

To activate the auto payment function, you must:

enter Sberbank Online;
go to the section "My auto payments";
click "Connect auto payment";
specify the recipient's details and your card number;
clarify the frequency and amount of payments;
confirm the request by SMS.

Now transfers to the account to pay the debt will be carried out automatically, and you will be informed about the transaction via SMS.

It is good to use the function when monthly receipts come to the card, for example, salary.

Using a bank card

A Sberbank loan can also be repaid using a card issued by another bank. The service is available in the personal account of your bank's electronic payment system.

The principle of action is approximately the following: you need to click on the "Pay a loan" link (in different systems it will be called differently), fill in the details, including the credit account number, and confirm the payment.

However, this method has a drawback: when paying for a loan from one bank with a card of another bank the commission is withheld... True, in most cases it does not exceed 1% of the transferred amount.

The option is suitable if the money is on the card of another bank.

Through electronic payment systems

This option is not very common, as it involves a high commission - from 2.5%. Nevertheless, if you are an active user of Yandex.Money or WebMoney services, this method may be the most convenient for you.

To pay off the loan with electronic money, you must:

go to the website of your payment system;
select the "Products and Services" tab;
in the list of services go to the "Repayment of loans" section;
select Sberbank in the list of banks;
fill in the payment details;
confirm the operation with a password.

Here is the most general payment scheme, details can be found on the official website of your payment system.

The method is interesting only if there are funds on e-wallets that have nowhere to spend, and other payment options did not fit.

What happens if you don't pay?

Sometimes, due to various life circumstances, the borrower cannot cope with the debt repayment. In this case, it is important to understand the consequences of non-payment.

So, if the client is late in payment, he will have to pay a fine, the amount of which depends on the contractual terms of the loan. For example, non-payment of a consumer loan will entail penalties in the amount of 20% per annum of the overdue amount. If the client did not deposit funds to the credit card on time, the penalty will be as much as 38%.

Information about all violations of the terms of loan payments is recorded in the borrower's credit history. An unscrupulous client will not only receive an impressive fine, but also ruin his reputation.

What are the consequences for a borrower who is in a difficult life situation and is unable to continue paying?

The bank will contact the client to find out the reason for non-payment.
If the lender meets the borrower halfway, the loan terms may be revised.
If the bank does not want to enter the position of the debtor, then the collectors will take over, the purpose of which is to achieve payment of the debt by any means.
Finally, if there is no reaction from the client, the bank or collection agency can sue him.

It follows from this that the debtor will not go unpunished in any case. The only advice that can be given in this situation: if the reasons for non-payment are objective, then you should immediately contact the bank and try to negotiate a restructuring (). Otherwise, the consequences can be serious.