“Interception” of a financial transfer by fraudsters is the reason for the loss of the contribution made by a bona fide payer. And such circumstances are the most dangerous, since the citizen is unaware of the shortage.

People who deliberately refuse to repay a loan risk their personal property. In such cases, the matter ends in litigation and the property of the defaulter. Note that fulfilling financial obligations is a clause of the loan agreement established by law, so ignoring payments to the bank becomes a mistake.

In order to avoid becoming a victim of the described circumstances, it is advisable for clients to independently find out the debt on a Sberbank loan via the Internet or mobile banking. These services are convenient and allow you to get the necessary information within 1–5 minutes. Let's consider the details of such options for remotely informing citizens.

Modern Alert Alternative

When examining the question of how to view loan debt at Sberbank via the Internet, we note the growing popularity of this method. The advantages here are the chances of the client receiving information around the clock and the speed of issuing a response to the submitted request. Along with this method, young people actively use the bank’s mobile service, which has similar characteristics.

The Sberbank-Online service will help you find out how large the loan balance is and check whether the monthly installment has been paid on time. You can find out your loan debt here from any device connected to the Internet. In addition, the program provides for instant repayment of the accrued amount in a convenient way for the borrower. True, such services are available to registered users.

In addition, it will be possible to identify arrears on the account using the phone. Connecting mobile banking is a convenient feature that Russians appreciate. Finally, remote verification of information is also possible through the use of Sberbank terminals or ATMs. Let's look at the presented options in more detail to form a personal opinion about the advantages and disadvantages of this choice of bank clients.

The nuances of using a remote method of obtaining information

Let us briefly outline the disadvantages of the listed methods. The most significant aspect that citizens focus on is the need to visit a bank branch to connect mobile or network services. However, such actions are appropriate even at the stage of signing the agreement. In addition, you can activate your profile in other ways.

note, if mobile banking is chosen, in such situations subscribers are offered various information packages. The “Economic” tariff does not require regular payments, but Russians note delays in receiving messages. Note that the monthly cost of connecting to a paid package is 30–60 rubles, but the quality of notification in this case is higher.

Network service

If readers are interested in how to find out the debt on a Sberbank credit card via the Internet, in such a situation, connecting to the Sberbank-Online service becomes an appropriate solution. This solution is a chance to monitor the status of accounts, make necessary payments, and submit requests for loans at a time convenient for the bank client.

The first step for the borrower is to register a user account. Note that in such cases, obtaining a password is likely by performing the following actions:

• activation of financial structures in payment devices;
• telephone request;
• online application on the registration page - enter the customer card number here;
• registration at the organization's branch.

note To gain access to the system, the borrower will need to obtain a bank card. In addition, in addition to the main secret code, the payer is required to obtain additional passwords to conduct financial transactions.

Having passed this stage, you will be able to move on to the main task. Log in to your personal account and click on the “Credits” tab. The monitor displays a list of loans that are registered with a specific person. Here we select the desired position by clicking on this line. As a result of simple actions, the borrower sees comprehensive information about the size of the loan.

The window that opens shows the total debt balance, the amount of the required contribution and the deadline for repayment of payments. Note that if the positions are highlighted in red, this result means that the payment has been delayed and the need for prompt settlement with the creditor. Russians consider the site a convenient and easy-to-use resource. For these reasons, the number of people connecting to the service is growing.

Calculation on a calculator

A convenient way to find out information about a loan is to use a simple tool - a loan calculator. Note that you can get the exact figure on the company’s official website after authorizing your personal page. However, Russians have access to other reliable sources. However, it is inappropriate to use analogues while being a registered user on the official website.

The scheme for identifying the amount of arrears here is as follows: in the empty fields, the client enters the size of the loan, the period for which the loan was issued and the type of payments. Please note that annuity and differentiated payments are different, so an error in this matter is worth receiving inaccurate information. In short, incorrect information is the cause of confusion for the borrower and an increase in debt.

Mobile services

Now let's look at ways to find out your Sberbank credit card debt through mobile banking. This option has only recently been available to Russians, but has gained the expected popularity and recognition. Even a free service package requires receiving a response to a submitted request within a minute, so speed becomes the main advantage of such a solution.

To use the service, you will need to connect to a suitable tariff plan. Such actions are advisable at the stage of concluding a loan contract. Then the citizen submits a special request for the bank's service number " 900 " Note that information about overdue payments is checked with the command “ Duty ».

If you need to clarify the total balance, it is appropriate to send a request in the format “ Balance", and the statement of the latest transactions is ordered with the word " Story».

Note that the disadvantage of using this method of information is the lack of information about the deadlines for calculations. This nuance is not critical, but missing an “important” date for individual citizens is the beginning of the path to... Therefore, if you have doubts, do not be lazy to double-check the information received in another way.

Devices for performing financial transactions

This option is indirectly related to the topic under discussion, but since the method is popular among Russians, we will briefly describe this algorithm. You can clarify information about your debt by working with branded terminals or ATMs. However, such a solution is appropriate when the client card is “tied” to the loan agreement.

The immediate scheme of action here is simple. We insert the card into the machine's receiver and enter the PIN code. Select the “Pay Loan” section on the display. As a result, the citizen sees complete information about the probable payment and has the right to instantly repay such a payment.

Keep in mind that obtaining information does not cause discomfort; it is appropriate to choose an option that is acceptable to you. In addition, the discovery of a large amount of arrears is a reason to visit a bank branch and agree on a repayment schedule for the previously unaccounted amount. Such actions will save the borrower from problems and possible litigation.

We hope that the information provided will be useful and will help Russians track “unscheduled” delays in a timely manner. Let us remember that a careless attitude towards payments of this kind becomes the cause of financial collapse, which only a few citizens manage to avoid.

Every person who has become a Sberbank credit card holder must know the answer to the question: “How to find out the debt on a Sberbank card?” Let this be only one answer option for now, but without this information it will be problematic to use a credit card. Why? Yes, because not only should you periodically check how much unused credit limit you have on your card account, but it is important for you to know what amount of the mandatory minimum payment must be made before the payment date (i.e. before the end of the payment period on the credit card). Let’s expand on this topic a little and give a detailed answer to the main question of the article.

Why check your credit card debt?

It would seem that you have exhausted the credit card limit provided to you by the bank, and that’s okay, but it’s not that simple. Firstly, without knowing the real balance of available credit funds on your card account, you can find yourself in an awkward situation when you are standing at the checkout with an item, and the bank suddenly refuses your payment. And simply, you needed an item (product) urgently, you relied on the card, but miscalculated a little.

Secondly, the bank may allow you to go beyond the limit it has set, but for this it will fine you. Sberbank will charge 40% per annum for exceeding the debt limit, which is significantly higher than the average rate. And Tinkoff, for example, will charge 390 rubles for using funds in excess of the debt limit.

Well, the most important thing in a credit card is not to miss the date of making the minimum required payment (about it). Violation of this condition of the bank also leads to fines, which are already more significant. Sberbank, for example, charges a penalty of 36% per annum for late payment. The same Tinkoff fines 590 rubles for the first missed pass, a fine of 1% of the debt + 590 rubles for the second missed pass in a row, and 2% of the debt + 590 rubles for the third time in a row. And at the same time, the bank charges you a penalty of 19% (on top of the existing interest rate) for actually 1 month - until the date of generation of the next invoice statement (provided that the holder did not delay the minimum payment in the new payment period).

As you can see, banks punish strictly.

But that's not all. If you are behind the payment schedule for at least 1 day, then the corresponding entry appears in your credit history (banks are required by law to send such information to the credit history bureau), and this can already negatively affect your future “credit life” and can spoil relations with banks. This is why it is imperative to check your credit card debt.

How to find out the debt on a Sberbank credit card?

There are many ways to check how much debt you have on your credit card. Some of them are slower, more thorough, and there are also operational ones, when at any time with, so to speak, minimal movements, you can view the information you need.

Quick ways to check debt on a Sberbank credit card

The fastest way to do this was announced by Sberbank literally a few days before the date of publication of this review. He, in fact, inspired the author to write this text.

Send an SMS to number 900 with the text: DEBT. The following information will be sent to your phone in a response message:

ECMC XXXX (last 4 digits of card number)

Mandatory payment: XXXX.XX rubles (or the phrase “repaid”)

Total debt for today: XXXX.XX rubles (or the phrase “repaid”)

Interestingly, this command can be executed in the format DEBT XXXX, i.e. with the last four digits of the card, but this is not necessary, since each Sberbank client can be the holder of only one Sberbank credit card. If you indicate the last 4 digits of the debit card, the bank will “swear” in a response SMS that:

“The operation was not completed. This card is not a credit card. You can only claim credit card debt. Indicate its number in the form: DEBT KKKK"

Let us remind you that you can exchange such messages with the bank only if you have activated the Mobile Bank service - this can be done for free (economy tariff), but it is better not to save 30 or 60 rubles per month (depending on the card) and turn on the full tariff ( Learn more about MB tariffs and their costs). This is necessary to connect to the SMS notification service, which will be very useful to us. Firstly, after each payment you will immediately receive an SMS message with the payment amount and balance. And secondly, the bank will send you reminders on the eve of each payment date, from where you can get all the information we need: debt, amount and date of making the minimum payment. True, you shouldn’t count on this reminder, since SMS messages may arrive at the wrong time, literally on the eve of the payment day (as they write more and more often in reviews), or they may not arrive at all ().

There are still ways to find out the amount of debt using SMS banking commands, but they will not indicate the amount of the minimum payment. These are commands sent to number 900 (this is the official short number of Sberbank): find out the balance on the card in the form BALANCE XXXX (more details) and see the statement for your last 5 transactions: HISTORY XXXX (more details).

The downside to these quick ways to see the information you need about your current debt is this: they don't tell you the date of the minimum payment, although everyone should know this. Therefore, we will give other, slower ways to do this.

Let's find out slowly but surely

A call to the support service will help you find out all the data you need, but the big inconvenience is that you need to go through a tedious identification procedure. Prepare your passport and remember your code word.

You can request a statement in the Sberbank Online Internet bank (the statement will be sent to your email address) and there, by clicking on your credit card, you can see the debt, the amount of the minimum payment, and the date of payment. The same can be done in the mobile application.

You can also visit the branch with a passport and card, which is very inconvenient and time-consuming.

As you can see, there are many ways to view debt on a Sberbank credit card. Take it into service and use it for your health!

A debt on a loan from Sberbank can arise as a result of the borrower’s carelessness or a malfunction of the terminal. At the slightest delay in payment, bank employees contact the client by phone or send a notification letter to his home address. Timely notification of debt will allow you to repay it on time and protect yourself from various troubles. The article describes in detail what methods of debt verification Sberbank offers.

You can use the support service at 8800-555-5550 24 hours a day. The call is free. If the line is busy, wait a bit. To obtain reliable information on the debt, tell the operator:

• loan agreement number;
• passport details.

Typically, specialists provide information on total debt. It is difficult to find out the amount of the accrued penalty over the phone.

If your bank card is linked to a credit agreement under which you need to find out the debt, use an ATM. For this:

1. Insert a plastic card.
2. Enter your PIN.
3. Select the “pay loan” operation.
4. Study the information that appears about the loan balance and the recommended payment amount.

Sberbank has a very developed network of branches. Contact your nearest office and bring with you:

• passport;
• loan agreement.

Our specialists will tell you the balance of the debt and calculate the payment amount. The main disadvantage of this method is that it takes a significant amount of time.

If you own a Sberbank plastic card, connecting to the Sberbank Online service is not difficult. Log in through the official Sberbank website or enter the address into the browser. The permanent password and user ID are obtained in the following ways:

• using a bank card at Sberbank ATMs and terminals;
• by phone number of the contact center;
• on the registration page of the site by entering the bank card number;
• when visiting a Sberbank office.

Go to your personal page on the site and fill out the fields provided. To obtain information about whether there are debts on loans, perform the following operations.

1. Select “credits” from the menu. Information about all loans issued to you by the bank will appear.
2. Select the loan you are interested in.
3. Enter the date for which the information is required.
4. Click “request debt”. The amount will appear on the screen. On the loans page you can pay off your debt.

This method is available around the clock and saves time. In addition to the size of the debt, it makes it possible to obtain any information about the loan.

The loan calculator is located in your personal account on the official Sberbank website. With its help, two types of payments are calculated.

• Differentiated – characterized by a constant decrease in the payment amount. It consists of principal and accrued interest.
• Annuity – the monthly amount is unchanged, interest is paid first, then the principal.

To calculate your debt, please provide accurate information in the fields of the calculator:

• loan amount;
• loan term;
• interest rate;
• date of loan issuance;
• the amount of the principal debt.

The accuracy of the calculation depends on how correctly the data is entered into the proposed columns of the loan calculator.

How to calculate it yourself amount of loan debt

Using a pen and a regular calculator, it is not difficult to calculate the debt.

1. Find the payment schedule in the loan agreement. It shows the loan amount, monthly interest and the final amount.
2. Subtract from the total the amount of payments made, which are shown on the printout for the current period.
3. The result obtained is your loan debt.

1. Choose the most convenient method for yourself, which requires less effort and is the most effective. For example, today's youth actively use the Internet. Elderly people prefer to visit the bank and communicate directly with a specialist.
2. If you have a loan debt as a result of a deterioration in your financial situation, contact the bank immediately. Often, loan specialists offer a more acceptable debt repayment schedule.
3. Even if you have made a payment on a Sberbank loan, it will not be superfluous to find out the debt on the loan. When paying at third-party ATMs or cash desks, a commission is charged. As a result, there may not be enough funds to pay off the debt. In addition, sometimes there is a delay due to a delay in the process of transferring money.

If a Sberbank borrower has a debt under a previously issued credit program, he urgently needs to deposit money into the account. This is necessary in order to avoid the accrual of penalties and interest increased several times. When planning to fulfill their financial obligations, many Sberbank clients are faced with a new problem, since they do not know the exact amount of debt. Individuals can obtain information about the status of their account in several ways.

How does debt appear under Sberbank loan programs?

Loan debt for individuals may appear as follows:

• borrowers deliberately stop making monthly payments;
• Sberbank clients have encountered financial problems and are unable to fulfill loan obligations;
• customers become indebted due to fraudulent activities of third parties, even if they regularly make monthly payments;
• borrowers, due to their carelessness, allow delays because they transfer money on the last day and do not take into account that a banking transaction can be carried out over several days.

Sberbank - find out loan debt by last name

Every Russian who is a client of Sberbank has the opportunity to find out the amount of his debt by last name. It is worth noting that the borrower will need to provide bank representatives with other data or personal information, for example:

• loan agreement number;
• tax identification number;
• passport details, etc.

To obtain such information, the borrower must personally visit the nearest Sberbank branch and, after presenting his documentation, receive comprehensive information about the status of the loan.

Advice: if an individual wants to use the Internet to obtain data about his debts, he should go to the official website of the credit history bureau or the Federal Bailiff Service. By contacting these authorities, the borrower will be able to check his credit history, which reflects all delinquencies, and check whether there are any legal proceedings against him.

Sberbank - find out loan debt by phone

Russian citizens who have applied for credit products (for example,) can find out over the phone about overdue payments, the amount of the minimum payment, and the debt repayment date. To do this they need to call the following numbers:

By calling the specified phone numbers, borrowers will have to communicate with an operator, who will ask for a code word or other personal information to identify them. In the conversation you can find out which ones are needed and about all the available programs.

How to find out your loan debt to Sberbank via the Internet?

In recent years, Sberbank borrowers have had the opportunity to use Internet technologies not only when making online payments, but also to obtain the necessary information. Clients of a financial institution who have activated the Internet banking service can check the status of their loan on their page (here they can also). To do this, they just need to go to the official website of Sberbank https://online.sberbank.ru. If an individual does not have this function enabled, he can visit a bank branch and write a corresponding application addressed to its management. They can also apply for activation of this function over the telephone by contacting the operator or calling the hotline.

The easiest way to find out about the amount of debt to Sberbank

The easiest way for borrowers to find out about the amount of debt on a loan is to wait for a call from an employee of a financial institution. As a rule, bank employees begin calling customers who have not made their monthly payments on time already 1-2 days into the payment period. If an individual simply forgot about the deadline for depositing funds, a call from the bank will be a real salvation for him, since the amount of his debt will not have time to accrue huge interest.

How to find out the loan debt to Sberbank through an ATM or terminal?

To find out loan debt, individuals can use Sberbank payment terminals or ATMs. To do this, just insert your credit card into a special compartment, enter your personal PIN code and perform a series of simple steps. The borrower should select the appropriate section in the menu (loan payment), by entering which he can obtain the information he is looking for. In the case of Sberbank terminals, there is no need to have a credit card with you, since it is enough to know the agreement number.

Advice: If, while checking his credit account, an individual discovers that funds are missing, he must urgently contact the bank’s security service and write a statement regarding fraudulent activities. After the inspection, the overdue loan will be completely written off.

What happens if you don't pay your loan debt?

If a Sberbank borrower does not want to repay his debt under the loan program, he should prepare for big troubles, since not a single financial institution forgives debts to its clients:

1. The bank will charge huge interest and penalties on the overdue amount. As a result, the most ordinary debt can instantly turn into an unbearable financial “burden” for the borrower, threatening him with complete default.
2. If the borrower involved guarantors in lending, they will bear full responsibility for non-payment of the debt. If the client refuses to repay his loan obligations, Sberbank will most likely file a claim in court, which will oblige the debtor or his guarantors to repay all debts. If they do not have the money to close the loan, then bailiffs will get involved in solving the problem, who will describe the valuable property of the debtor or his guarantors and put it up for auction. From the proceeds, the debt to the bank will be repaid, legal costs and bailiff services will be paid. The remaining funds will be returned to the owners of the sold property.
3. Sberbank can offer the defaulter several options for solving the problem. For example, debt restructuring or a loan refinancing program.
4. If the amount of debt under the credit program exceeds 500,000 rubles, then the Sberbank client falls under Federal legislation and may be declared bankrupt. This procedure is carried out through an arbitration court, the initiator of which will be a financial institution. The debtor can get off easily only if he has neither real estate nor valuable property. Otherwise, all valuable things will be described, the bailiffs will seize them and put them up for auction. A bankrupt borrower will not be able to get a prestigious job or get a profitable loan from a bank in the future.

How can arrears on a loan affect the future life of the borrower?

If a debt arises to Sberbank, an individual must be prepared for the fact that this extremely unpleasant fact will be reflected in his credit history. In the event that the resolution of the conflict is transferred to the legal plane, the defaulter will have to face the following problems:

• litigation;
• high costs of paying lawyers;
• visits of bailiffs not only to home, but also to relatives and work;
• receiving threats from debt collectors;
• loss of valuable property that will be put up for auction;
• it is impossible to take part in lending (for example), etc.

Every delinquent borrower should try to convince collection officers of their good intentions. It’s great if he manages to collect documents confirming the difficult financial situation, for example:

• entry in the work book about dismissal;
• certificate of a disease that requires expensive treatment;
• certificate from the employment service, etc.

What solution to the issue of an overdue loan can Sberbank offer?

If a borrower who has incurred a debt on a loan makes contact with bank representatives, then they can also meet him halfway and offer the following options for solving the problem:

1. Restructuring. By agreeing to this procedure, the debtor will be able to keep his credit history unblemished. To formalize the restructuring, a financial institution may require the client to provide documentary evidence of his insolvency.
2. Increasing the loan term. In this case, bank employees recalculate monthly payments, so borrowers will have to pay a smaller amount each month. This method of resolving the issue of overdue payments is usually applied to borrowers who have signed up for a mortgage loan program.
3. Postponement. In this case, the financial institution slightly reduces the monthly premiums for a limited period of time. This method of deferment is called “credit holidays.” The maximum period for which Sberbank can grant a deferment does not exceed 2 years. During this period, the borrower will only have to pay interest.
4. Drawing up an individual monthly payment schedule. Typically, this method of resolving the issue of overdue payments is applied to legal entities and individual entrepreneurs. It is especially relevant for organizations that have seasonal earnings. For this category of clients, Sberbank can establish quarterly payments or one large payment at the end of the year, but each month the business entity will have to transfer minimum amounts.

In the worst case, what can Sberbank do with the borrower’s debt?

Many Russian citizens who have overdue loans from Sberbank are interested in what this financial institution does with the debts of persistent defaulters. They are especially concerned about the issue concerning collectors.

To the great regret of unreliable borrowers, Sberbank actively cooperates with collection agencies and sells them debts of individuals. In most cases, such transactions are carried out with bad debts, which the financial institution has lost hope of recovering through any legal means. In practice, Sberbank sells its clients' bad debts in the form of tenders. Various collection companies can take part in the auction.

Advice: All Russians know the methods that debt collectors use when working with debtors. To prevent contact with employees of such offices, individuals should not default on loans. If they arise, they need to negotiate with the bank and agree to the proposed options.

Currently, in every locality in which a Sberbank branch is open, there is a special Debt Collection Service. Employees of this division deal with overdue loans to individuals. Borrowers can obtain more specific information by calling Sberbank’s contact phone number (hotline): 8 (800) 555–55-50.

How to solve the problem of overdue payments and improve relations with the bank?

If an individual has exceeded his credit limit, he should not immediately panic and go “underground”. To pay off debt, you first need to stop withdrawing funds from your credit card. After this, you need to determine the amount of the monthly payment and pay it in double or triple the amount.

An individual can transfer part or the full amount of the loan debt in any way convenient for him:

• through the cash desk of Sberbank or any other financial institution that has a cooperation agreement with the lender;
• in terminals;
• through electronic payment systems;
• via Internet banking.

After repaying the debt, an individual can consider it as a financial instrument that will allow him to receive passive income. In this case, if a difficult situation arises, the bank client will have funds to pay monthly payments.

How can you avoid debt on a loan?

Every Russian citizen can try to avoid overdue loans. To do this, you must follow the recommendations given by lawyers:

• regularly monitor the status of your credit account;
• make monthly payments on time;
• After each purchase, check your credit card balance;
• try to repay the money during the grace period (in this case, the borrower will not have to pay interest at all for using the loan funds);
• spend borrowed funds wisely.

Advice: In order to do so, individuals need to visit the official website of the financial institution.

Save the article in 2 clicks:

To prevent loan debt from occurring, each borrower must make monthly payments on time. If he anticipates temporary financial difficulties, he should set aside the required amount of funds in advance to pay the minimum contribution. If an individual still has arrears, he must contact the bank and try to ask for a deferment or take part in refinancing. If he hides from the bank, he can get himself into big trouble, including the loss of personal property and complete default.

In contact with

Many Russian citizens take out loans without thinking about the issue of returning them.

Dear readers! The article talks about typical ways to resolve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

It's fast and FOR FREE!

Due to the economic crisis that broke out in the country, most Russian citizens have lost a permanent source of income. The phenomenon led to the formation of debts to creditors.

What you need to know

Citizens receiving loan funds must understand that they are provided under certain conditions. The borrower must comply with them in order not to get into a difficult situation. Otherwise, their credit history will be damaged, as a result of which citizens will not be able to obtain credit in the future.

The circumstance forces the borrower to track information about the funds provided for lending and the formation of debts.

Each loan agreement specifies:

• date of monthly payment;
• the interest rate charged on loan funds;
• the amount of penalties provided for in case of delay.

Consequences of non-payment of loan funds

Sberbank carries out a certain kind of work with each borrower, trying to support him in the event of difficult life circumstances. The borrower should take this rule into account and promptly notify him of complications associated with the repayment of loan funds. He will provide assistance in solving the problem that has arisen.

If the borrower does not make payment, the bank files a claim with the court to collect the debt. The measure is carried out if the borrower refuses during a peaceful settlement of the issue. He can achieve certain applications if he manages to convince the bank that the suspension of payments is not due to malicious intent.

The borrower must, during negotiations, reach an agreement from the bank:

• to provide a deferment in the payment of loan funds;
• to apply the debt restructuring procedure.

At the first opportunity, the borrower must notify Sberbank and begin repaying the loan funds, which will allow him to avoid litigation and enforcement proceedings carried out by bailiffs.

How to find out your loan debt at Sberbank

According to static data, every third Russian citizen uses the services provided by Sberbank of Russia. If he is late, then as a result he will incur a debt. It will increase over time due to the accrual of penalties, so the borrower should strive to avoid it under no circumstances.

Sberbank services used by citizens include:

• opening a current account;
• creation of a deposit in ruble or foreign currency equivalent;
• purchasing a plastic card;
• processing loans under various programs.

Sberbank online is available to all bank clients. You can register and use this option without leaving your home via the Internet.

Sberbank of Russia provides information about existing debts in various ways, including:

• Internet. To use the services of the official website of Sberbank, you need to activate the Internet banking service. You can connect to it based on an application submitted to a bank branch by calling the support service by phone. The service allows you to find out the statistics of financial transactions on borrowed funds through your personal account.
• Telephone communication - hotline. A traditional way to clarify the issue of debts in a short period of time. The borrower must know the phone number of the Sberbank branch where he applied for one of the types of loans. As a rule, the telephone number is indicated in the contract, so the borrower should not have any difficulties.
• Personal visit. The borrower must visit the nearest Sberbank branch, where he will be given a statement of his debts.

As a rule, information is provided via telephone using the contract number and passport data. But the possibility of it being provided by last name cannot be ruled out.

The borrower can always use the services of Sberbank support service. But it operates only during business hours, so the best option for obtaining information about debts is the Sberbank online service.

Find out the balance of the debt

Sberbank has provided each borrower with the opportunity to find out the balance of the debt by using its services. As a rule, information about the amount of funds disbursed is recorded in the loan agreement. Attached to it is an official document containing information about the full cost of the loan, calculated on the basis of an approximate payment schedule. It indicates the approximate debt balance for each month.

In addition, the balance of the debt can be found out through the service:

1. Sberbank Online. To fulfill your intention, you need to go to Internet banking, in the top menu of which there is a “Loans” link. It contains all the information about the loan funds provided.
2. Mobile application Sberbank-online, the easiest way - loan balances are placed on the first line of applications.
3. Sberbank branch. The method involves a personal visit to any branch to obtain information about the balance of outstanding loan funds. A passport identifying the borrower and a loan agreement are presented to the branch.

Which, of course, for Internet users is a big advantage compared to other methods of obtaining information about loan debt. Although Sberbank branches are located in almost every locality.

In the absence of the Internet or the absence of a Sberbank branch, you can resolve the issue of debt through an ATM. They are supplied in many shopping centers, supermarkets and shops. They can be easily recognized because they are made in white and green colors. But for this method you need to be the owner of a bank card.

Actions of the borrower to find out the amount of ATM debt:

• insert the card into the ATM;
• enter an individual PIN code;
• select your personal account from the menu of available functions;
• click on the “loans” menu, where you can find information about all executed loan agreements;
• select the tab – loan information.

The service allows you to find out about the full repayment of loan funds, find out the amount of the remaining debt and receive background information, which in some cases is very useful.

Credit card debt

Individual citizens apply for a credit card, on which Sberbank places the issued credit funds. As practice shows, some borrowers spend them without accounting, which is why debt arises. To avoid this kind of event, you need to regularly check your credit card balance and replenish your account in a timely manner. If debts have arisen, then you need to try to pay them off during the period of the preferential lending.

Suggestions to resolve the problem

As a rule, when the first delay in payments occurs, Sberbank sends an information letter to the borrower’s home address or contacts him by telephone. He should indicate reliable data in the contract, otherwise he may have difficulties.

In exceptional cases, Sberbank provides simplified conditions under which payments are made, and changes the debt repayment schedule from annuity to differentiated and back.

It offers some tools to resolve problems related to debt formation.

These include:

• Extension of the loan agreement. The measure allows you to extend the term of the loan agreement so that the borrower can repay the loan funds according to the established payment schedule. The size of monthly payments is reduced due to its extension, but the overpayment on loan funds increases significantly. For example, for a mortgage loan it is extended up to 10 years, consumer up to 3 years.
• Deferment of principal payment on loan funds. It is provided for a period up to 2 years, during which the borrower pays interest charges. In this case, the minimum amount required to fulfill obligations to the bank is paid. Upon expiration of the deferment period, the borrower must pay the principal amount of the debt and interest charges on it.
• Drawing up an individual debt repayment schedule. This method is mainly used by persons who engage in business activities during certain seasons. As a rule, debt arises precisely during the period of time when they do not carry out their activities. For them, Sberbank establishes quarterly payments, a minimum amount of payments for several months, followed by a large one, which is paid after six months.
• Debt restructuring. The procedure gives the opportunity to maintain a positive credit history to a borrower who repays loan funds in good faith and promptly notifies Sberbank of his difficulties, regardless of the length of the protracted delay in obligations. carried out on the basis of an application from the borrower containing a detailed description of the circumstances due to which he is deprived of the opportunity to timely repay his debts.

It should be noted that Sberbank asks the borrower to provide any documents along with the application, so he should clarify the list of required documents with Sberbank.

These include:

• work book, if the borrower is fired from work with the wording “in connection with the liquidation of the enterprise”, “as a result of a reduction in staffing”;
• medical report on health status;
• , confirming the reduction in wages.

The list of additional documents may vary depending on the specific circumstances that led the borrower to suspend payments. In most cases, Sberbank satisfies borrowers' requests for debt restructuring. But he must justify his request with sufficiently compelling reasons that are respectful in nature.