However, in any case, the loan inherited, become a headache not the heir, and his guardians. Usually the initiators of termination by banks. In the future, referring any difficulties or shocks is that not every borrower is able to repay such an expensive mortgage loan, which leads to the fact that borrowers start to rush, trying to refinance the loan or to change bought on credit "square meters" for cheaper housing. As a result, the client might get the feeling that he cheated, but it will not be so. In General, termination of contract by the borrower, the procedure is quite complicated, the success of such initiatives rarely end.
For example, a borrower wants to take a Bank of 100 thousand rubles. Again, this is entirely the fault of the client, so with such a claim in court you can not even walk, he'll stand on the side of the Bank. After 14 to 18 years and the decision on acceptance of the inheritance and, accordingly, obligations for the payment of the loan, the heir will be considered together with the guardians.
According to financial analysts one of the most popular tricks of financial institutions advertising their own loan products are so-called interest-free loans that are issued to potential borrowers in times of celebrations such as new year or Christmas to buy expensive gifts to their relatives or loved ones. The Bank approves his application, but includes in the credit agreement a lump sum payment for the issuance of money. Moreover, the loyalty of financial institutions in creating these tandem can reach such proportions that they are ready to offer our potential borrowers loans at favorable interest rate, which will be issued against collateral in the form of real estate under construction. Also do not forget about such a delicate moment, as the Statute of limitations. The non-payment of debt, late payments can be a substantial reason for the cancellation of the credit agreement. Minors are considered children up to 14 years. This is a fairly new service, so it is provided not in all banks, so will have to try. It is obvious that the refusal of the inheritance in favor of third parties to transferred liabilities and the payment of the loan. It is very often the emotions come across and the young people that get consumer loans only to show off to friends expensive smartphone or tablet and then be repaid over 3-5 years credit for a toy, the activities of which they do not even use half.