How to write a persuasive letter to a bank?

How to write a letter to bank manager regarding due amount the educational loan after one year?

• I have taken Rs.100000 Education loan in Bank.now i have been searching for a job for one year.. i am unable to pay installments to bank.now i want to requesting letter to Bank manager.. what & How i want to write on letter to the Bank.

• Answer:

  The usual repayment conditon for E L is --one year after completion of the course or 6 months after getting a job the repayment commences.Since you have not secured any job even after one year of completion of the course, you may request the bank to give you some more time for the commencement of the repayment schedule. Submit the copies of all the marks lists of all the semesters and also the pass certificate along with the request letter. From Mr.xxxxxxxxxxxxx xxxxxxxxxxxxxxxx } } ADDRESS. xxxxxxxxxxxxxxxxxxx } To The branch manager, xxxxxxxxxxxxxxxxBank, xxxxxxxxxxxxxxxxxx(place of the branch) xxxxxxxxxxxxxxxxxx(name of the town ) Sir, Sub:- my E L no.................. dated.............. for Rs.100000/- I availed E L for Rs. 100000/- on ...............for studying................... I completed my course on ................................. copies of marks lists and pass certificate are enclosed here with. Even though one year has lapsed since the completion of the course i have not secured a job. Hence I am not in a position to commence repayment of the loan. Kindly,give me some more time to commence repayment of the loan. Thanking you, Yours faithfully, sdxxxxxxxxxxxxxx P.S. kindly provide me with a pass-sheet of my loan account.