In the loan agreement provided as is usually some force majeure circumstances that give guarantee banks and customers in the event of losses due to circumstances beyond their control. At the fifth stage, the bank has been engaged with the client after receiving his loan. This work provides for enforcement loan agreement and the search for new forms of cooperation with the client. In the case of deterioration of the financial situation of the client and the risk of default loan loan officer makes note of guidance to could take appropriate action. Sixth stage - the repayment of interest and closing credit case - the final stage of the bank lending relationships with borrower. Cases outstanding loans should be reviewed annually (More cases to be considered outstanding NPLs) at that all information should be adjusted. The latter involves analytical assessment of the borrower and lending services, calculation, compliance with loan agreements, etc.