Force Majeure If you lost your job, the question of further the fate of the loan the bank will be considered individually. However, most bankers are confident that their customers demand in the labor market, so the search for a new job will not take long. In some cases, lenders are willing to reduce the monthly payment or even to provide the borrower "vacation credit". This issue is discussed by a credit committee, and if the borrower's recognized as a valid argument, then for a period of up to 3 months can be installed on the postponement of principal repayment. Solve problems with the bank for more serious situations (eg, disability or sudden appearance of the rightful owners is not enough "Pure" are legally apartments) designed to mortgage insurance – in this case for what you have with the bank will pay the company-insurer. Prepayment Each borrower is trying as quickly as possible to pay debt, but it deprives the creditor rather substantial part of income – because he expects a few years or months to receive interest from the borrower. The Related Companies has firm opinions on the matter. For this reason, most banks there is a moratorium on the early redemption (1-12 months) and fines (up to 5% of the payment). Mortgage programs are provided, and limitations on the size of the extraordinary benefits – mainly from $ 500. Despite the restrictions and fines are a significant portion of loans returned ahead of schedule – a factor triggered the black wages: on Prepayment may be made unsubstantiated earnings that are not included in the calculation of the loan period.