The accrual of interest under a loan agreement ceases only after the outstanding principal debt has been repaid in full.

Changing the date of the monthly payment is not предусмотрено by the bank's restructuring programs.

Any party to the credit transaction may apply for restructuring.

The bank in its work with clients' overdue debt on loans to individuals uses the following phone numbers (Contact Centres):

• 8 800 700 00 79 — for issues related to the settlement of overdue debt (for overdue debt of less than two payments), business hours on business days from 06.00 to 20.00, on weekends from 07.00 to 16.00 (Moscow time)
• 8 800 234 02 20 — for issues related to the settlement of overdue debt (for overdue debt of more than two payments), business hours on business days and on Saturday from 07.00 to 16.00, Sunday is a day off (Moscow time)
• 8 800 770 03 85 — for issues related to the settlement of overdue debt on mortgage loans (for overdue debt of more than two payments), on business days business hours are from 09.00 to 18.00 (Moscow time)
• 8 800 700 78 46 — for issues related to loan debt restructuring, business hours on business days from 07.00 to 16.00 (Moscow time)
• 8 800 770 03 86 — for issues related to the settlement of overdue debt on loans transferred for collection to collection agencies, business hours on business days from 06.00 to 20.00, on weekends from 07.00 to 16.00 (Moscow time)