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The simplest way to end a credit relationship is if both the lender and borrower agree to the terms.

: A bank may refuse to provide further credit if there are clear signs that the borrower will not be able to repay the loan on time. 4. Legal Consequences

The termination of a credit agreement ( rastorzhenie kreditnogo dogovora ) in Russia is governed primarily by the and special banking regulations. It typically occurs in one of three ways: by mutual agreement, through a court order, or via a unilateral refusal to perform. 1. Termination by Mutual Agreement

: Common grounds for banks include systematic missed payments or a significant drop in the value of collateral.

: A borrower generally has the right to refuse a loan before it is actually disbursed.

: This often involves full early repayment of the debt.