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Questions Will CRIB statues matter when Migrating ?
- Thread starter sam_sajith
- Start date
Hodama wade Uba loan eka gatta Fixed Interest rate ekatama settle karannan kiyala kiyana eka. Capital eka witharak settle karanawata nan un kohomath kamathi wena ekak na. nikan thawa adi adi yana eka witharai wenne. Migrate wenakota nan issue ekak na.. but PR ganna giyama poddak case wei mehe debt tibboth. Un hoyala balanawane PR deddi.
Why did you take a loan at that rate ? if it's okey at that time why are you talking bullshit now ? if selected a fixed interest, then you have to pay it. its like fixed deposits. but banks still paying higher interest for many. that's because of the "agreement". when you need money, you are okey for any condition, but now talking against that.
if you are a person who cant pay a loan of 300000-500000, how can you migrate
you are a bloody Hinanna. Gattanam gewapan ballo.
First of all try reading the fact from the beginning without commenting you stupid Jerk , I don't want to elaborate you since you mean just a highest degree asshole to me so just go and jerk off for your yourselfWhy did you take a loan at that rate ? if it's okey at that time why are you talking bullshit now ? if selected a fixed interest, then you have to pay it. its like fixed deposits. but banks still paying higher interest for many. that's because of the "agreement". when you need money, you are okey for any condition, but now talking against that.
if you are a person who cant pay a loan of 300000-500000, how can you migrate
You don't have to be rich to migrate and if you are smart enough to study to and be educated then you can easily apply , as this doesn't apply to you Modaya. Further I don't have Kahana Salli to payoff all for nothing as I'm ready to pay capital since I have paid enough interest at 19 odd pa
Just get lost , let genuine people to discuss these matters, kindly go and show your colours to Asahana Post . Not here
Dan gihin kapapan mage rep .......
You'd probably signed hundred places already agreeing to all their terms.. so try to talk to the manager and get a rebate on outstanding interest. They usually do that when you're going for a refinance.
If you're going for a default, think twice!! cause CRIB won't be the only issue you have to deal with.
If you're going for a default, think twice!! cause CRIB won't be the only issue you have to deal with.
Pissuda , I will settle this that's my intention but NIKAN boruwata bank eka bula gahala ewata I don't want to pay the interest ......
kochchara kiyewwath wadak na bn uba jeewitheta loan ekak aran nati ekek wage penne. uba argive karanne basic loan terms gana.
Basic terms kiyanne , floating rate nathuwa fix rate ekakata Aran, salary remittance dunne na kiyala interest wadi karana ekada ?
Ita passe full settlement ekakata yanakota future interest eka settle karanna kiyana ekada ?
Uba kiyana widiyata mewa tamayi basic terms , Aney ban kiyana De therum gannin. Uba bank ekaka neda wada karanne methana issue eka justify karanna
මේ දෙකටම උත්තරේ ඔව් කියන එක තමයි
උඹ එකඟ වෙලා අත්සන් කරපු documents අරන් බලපන්. කියෙව්වේ නැති උනාට ඒකෙ තියනවා උඹ මගදී සැලරි රෙමිටන්ස් නැවත්තුවොත් පොලියට වෙන දේ. උඹේ කලින් රේට් එකට එකඟ උනේ උඹ සැලරි දානවා කියන එකඟතාව උඩ නේ? උඹ තමයි මගදී උඹේ පැත්තෙන් කොන්දේසි ඉස්සල්ලාම කඩ කරලා තියෙන්නේ. එහෙම කරලා උඹ අනික් පාටි එකට බනින්නේ කොහොමද පොලිය වැඩි කරා කියල? උඹ සැලරි රෙමිටන්ස් නැවත්තුවම අනේ කමක් නෑ කියල උන් නිකන් ඉන්නද ඕනේ?
දෙවෙනි එකත් ලෝන් වල හැටි එහෙම තමයි. උඹ ගිවිසුමෙන් බැඳෙන්නේ capital+total interest එකට. ඒක early settle කරනවා කියල නැති වෙන්නේ නෑ. කතා බහ කරලා settelement එකකට යන්න ඕනේ දෙපැත්තටම ශේප් විදිහට. settlement fee එකක් ගෙවලා පොලිය අයින් කරගන්න කතා කරපන්. මලාට උඹට නිකන්ම ඉතුරු කැපිටල් එක ගෙවල ඕකෙන් අයින් වෙන්න බෑ.
බැංකුව බුලක් කෙලලා නෑ, උඹ පොඩි එකෙක් වගේ තමන් ඇතුල් වෙන obligation එක මොකක්ද කියල හරියට දන්නේ නැතුව ගිහින්. උඹට බැංකුව වැරදි කියල හිතෙනවා නම් financial ombudsman ගාවට යන්න පුළුවන්. නමුත් වැඩක් වෙන්නේ නෑ, මෙතන බැංකුව වැරදි නෑ.
මම උඹේ බැංකුවේ වත් වෙන බැංකුවකවත් නෙවෙයි වැඩ කරන්නේ ඒ නිසා මාත් එක්ක ඇරගෙන උඹට වැඩක් නෑ.
Friend.. The first thing when you take a loan is to read the "fine print". They always have clauses that can be flexed to their benefit.
It's certainly not funny. You borrowed Rs 500,000 at 16% pa. Lets say you intended to repay in 5 years. Then you need to pay monthly slightly more than Rs 12,000. In 5 years you would have paid the bank a total of Rs 730,000. Initially major component of your installment will go towards the servicing of the interest with the capital moving down slowly. That's the reason why even though you paid 30% of the loan, the capital only lowered by 12%. You cannot do anything about it, that's the way any bank loan will work.
But sure you can talk with them and settle the loan immediately with a negotiated penalty. Many financial institutions allow it and also the conditions might be already in your loan contract with them.
They must have had in the fine print that the rate you were initially granted was subject to your salary being deposited there - and thus t's a special rate. When you quit that they have the right to move the rate upwards. At least it will be their argument.
I am not an employee of NTB or any bank. Just trying to point out where things stand.
Mama oya kiyana tharam details finance gana danne eeeth, in general terms who will read out all pages in those agreements ? Will you ? That's something we all miss, yes I took a decision on moving my salary remittance on my convenience which I have informed them formally but they never informed me back on this term yet secretly pushing my rate up.
Interest rate difference was somewhat 3.5+ pa which is way above the market rates , we all can take facts and rules here but when it comes to common sense, it's something to think back
Further most of the financial and banking institutions are allowing customers to settle the capital by waving off till 90 - 95% of their interest , in here what I'm asking is capital as I have paid over 12 installments with the rate hike they initiated.
In respect to the Bula of the bank, there is a scam and a rumor gone few years back , the respected bank we discussed here had some issues with their loan schemes which was a news then but it's irrelevant to me but I wanted clarify one statement you did above
Thanks for the response BTW
There were no secrets on that regard was it? You and the bank initially agreed on what will happen if you change the salary remittance. it's in your agreement. Whether you have read it or no is out of the question.
Common sense does not apply to agreements, terms do. You broke the agreed upon terms by changing the remittance and bank did what they said they would do. Again you might not have read the terms but that's not an excuse.
No financial institution is waiving off already paid interest which is the bulk of payments you already made. As the other gentleman explained, majority of your early instalments are interest so that's why after 12 instalments your capital isn't reduced by much. This is standard practice and i can't imagine you didn't knew this.
In your case, bank has not done any Bula. All this is how loans work.
After reading your suggestions given, i presume you are just living by terms not on senses that's fine.
Com'on sir , I didn't ask them work on my paid interest I asked them the future interest which most institutions do these days. I think I have got the answers for what I've asked so no need arguing over banking polices , anyway best of luck guys with your terms and conditions life .......
Dude, don't act like a kid.
You signed an agreement, not a love affair. You can live your life as you wish but when it comes to a legally binding agreement, both parties have to stick to terms.
if not what's the point of an agreement?
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