Mortgage refinancing at Raiffeisenbank. Refinancing at Raiffeisenbank: conditions, interest rate
Obtaining a mortgage loan is the only opportunity for many citizens to acquire housing. However, a loan to buy a home differs in duration. Mortgage is provided for 10-20 years. Significant changes may occur over the period. Financial position the borrower's debt may worsen, which will lead to the need to increase the loan term. In this situation, refinancing can help. In 2017, the service can be used by contacting Raiffeisenbank. The organization has several types of loans that allow you to close a loan taken from another bank or change the mortgage currency within the organization. To choose a suitable loan, you need to study the conditions under which refinancing is carried out at Raiffeisenbank, and familiarize yourself with other nuances.
Service Features
Mortgage refinancing for individuals - obtaining a new loan to pay off the old one. By using the service, the borrower seeks to improve existing conditions loan repayment.
Refinancing can help:
- transfer a mortgage loan to another bank;
- change the currency of the loan;
- reduce the current interest rate;
- increase the repayment period.
The option is also present in the list of Raiffeisenbank services. Unlike most financial institutions, the company adjusts most of the parameters for the client.
Employees of the organization take into account:
- solvency of the client;
- the applicant's monthly income;
- the presence of additional expenses;
- other external factors capable of influencing debt recovery.
Raffeisenbank is ready to lend money to refinance loans taken for the purchase of both new housing and secondary real estate. The organization is ready to fulfill and refinance loans taken on the security of an apartment owned.
Conditions for providing funds
Raffeisenbank is distinguished by a high speed of consideration of the application. The decision of the company will be known within 2-5 days from the date of application. If a person decides to use refinancing in an organization, he must understand that the company will agree to lend money only in rubles. Alternative options are not provided.
The term of the mortgage depends on the purpose for which the person took the previous loan. So, if the loan was taken specifically for the purchase of housing, the maximum refinancing period at Raiffeisenbank will be 25 years. In the case of obtaining a non-targeted loan secured by real estate, the client will have to repay the mortgage received in a maximum of 15 years.
Important! A calculator can be used to calculate the mortgage.
The amount of overpayment in the company starts from 10.9%. Raffeisenbank does not seek to compensate for the relatively low rate through additional payments. Commissions for consideration of an application for refinancing and issuance of a loan are not charged. If the company agrees to lend money, they will go to the borrower's account, which was opened specifically for this purpose in the bank that provided original mortgage. Alternatives capital is not provided.
Repayment of a mortgage loan in Raiffeisenbank is carried out in the classical form. A person will have to make monthly payments on the loan, observing the deadline.
Important! Delays are fraught with penalties. If a person does not have time to deposit funds within the prescribed period, Raiffeisenback will begin to charge a penalty of 0.06%. It should be remembered that penalties are charged every day.
As with classic mortgages, refinancing requires collateral. In his role is the apartment bought on credit. Its owner will have to transfer the property as a pledge to the company until the obligations are fully repaid.
Requirements for a potential borrower
Not all citizens who want to refinance a loan can manipulate Raffeisenbank. In order for an entity to agree to a transaction, the client must:
- attract a co-borrower;
- reach the age of 21, but not exceed the age of 65;
- be a citizen of any state;
- reside in the region where the bank operates;
- have official registration in the region where the bank is present;
- work at the last place of employment for a specified period;
- have a means for operational communication;
- have a positive credit history;
- not have outstanding loans, except for refinancing;
- to receive income, the amount of which reaches or exceeds the minimum established rate.
To get a loan to pay off an existing mortgage, a person will have to attract a co-borrower. In his role may be the official or common-law spouse of the applicant. If refinancing is carried out on the security of real estate purchased on credit, the list of persons who can vouch for a citizen is significantly expanded.
Co-borrowers may be:
- the applicant's parents;
- offspring of the applicant for the use of the service;
- brothers or sisters.
It should be remembered that a close relative involved as a co-borrower should not have a share in the mortgaged property.
Important! Age requirements are directly related to the need for registration mortgage insurance. If a person refuses to use the service, the maximum bar will be reduced to 60 years. The minimum threshold will remain the same. It will be possible to take advantage of refinancing at Raiffeisenbank after reaching the age of 21.
The service is provided only to officially employed persons. A person must work within the administrative boundaries of the republic or region in which there are branches of the institution. There are also requirements for experience.
Money to pay off an existing mortgage is issued in 1 of 3 cases:
- the borrower worked in the last place for at least 6 months with a total length of service of 1 year;
- the borrower worked in the last place for at least 3 months with a total experience of 2 years;
- the borrower worked in the last place for at least 1 year, if this is his first job.
To use refinancing, you need to have sufficient income. A person must receive at least 20,000 rubles if he lives in:
- Moscow and MO;
- St. Petersburg;
- Yekaterinburg;
- Magadan;
- Tyumen.
For residents of other regions, the bar is lower. To start cooperation with Raiffeisenbank, it is enough to receive 15,000 rubles.
Important! The established amount should remain after tax and represent earnings at the main place of employment.
Requirements are also minimum income co-borrower. Regardless of the region of residence, he must receive at least 10,000 rubles.
Requirements for collateral
Raiffeisenbank also analyzes the property for which the applicant wants to receive a loan. To be approved for a refinance request, the following requirements must be met:
- Only real estate which served as collateral for a previous creditor.
- The bank will accept as collateral only an apartment registered in accordance with the procedure established by law.
- Real estate can only be encumbered by the previous creditor. If the apartment is pledged for other loans, Raiffeisenbank will refuse to cooperate.
- At the time of the pledge, the apartment should not be in the use of other persons.
- The real estate, from which the previous creditor removes the encumbrance, must immediately be registered as collateral.
In order for the company to agree to lend money, the property should not be too dilapidated. Studying the future subject of collateral, Raiffeisenbank specialists pay attention to the year of construction. It can vary significantly depending on the region where the borrower lives. So if the residents Saint Petersburg can carry out on-lending to an apartment built later than 1930, then residents of the regions have the right to use a similar service only for housing built no earlier than 2000.
There are other requirements for real estate. The bank will agree to lend money in the following situations:
- the apartment has a kitchen and a bathroom;
- the property is supplied with hot and cold water supply;
- the apartment has serviceable plumbing equipment, doors, windows and a roof.
If during the inspection of real estate malfunctions are revealed, the company may refuse to issue money on credit.
List of required documentation
You will not be able to use the refinancing service without documentation. The bank will need to provide:
- the passport;
- SNILS;
- certificate of marriage or divorce, if the borrower officially registered the relationship with the spouse;
- application for refinancing;
- work book;
- a certificate drawn up in the form of 2-NDFL or in the form of a bank;
- loan agreement for a refinanced loan;
- documents confirming ownership of the mortgaged property.
The documentation list is subject to change. The exact list depends on the status of the borrower. So, a citizen who is on a well-deserved rest due to age will need to provide a pension certificate, and the entrepreneur will have to supplement the package of papers with a tax return.
Design features
Today there is a clear procedure for refinancing a mortgage at Raiffeisenbank. In order for the bank to agree to issue funds to pay off an existing debt, you will need to perform the following steps:
- Apply. Before performing an action, experts advise consulting with Raiffeisenbank specialists. The action can be performed during a personal visit to the branch of the organization or by phone. The company's specialist will help clarify the documentation package required for filing an application. When it is assembled, a person can visit the branch of the company and hand over the papers.
- Wait for the decision of the company. The organization issues a verdict on the application within 2-5 days. When the decision is made, the company's specialists will contact the borrower and report the result of the consideration. If Raiffeisenbank agrees to provide the money, employees will explain the next steps.
- Prepare to make a deal. After approval, a person has 3 months to collect the necessary papers on the subject of pledge and carry out other preparatory procedures. If within due date papers for the property will not be submitted to the company, you can extend the positive decision by providing an updated package of documentation.
- Making a deal. When the preliminary manipulations are completed, the manager of the organization will inform the preliminary date of the operation and give the contacts of the specialist responsible for carrying out the action. On the appointed day, the applicant with the co-borrower must visit the branch credit institution and sign the necessary papers.
When the documentation is signed, the transaction is considered completed. You can clarify all the nuances of the procedure by visiting the official website of the institution.
Foreign currency mortgage refinancing
Despite the fact that Raiffeisenbank refinances only in rubles, the organization's service can be used to borrow money to close a foreign currency loan taken to purchase a home. In this case, all requirements valid at the time of the classic transaction must be observed.
Important! The overpayment for refinancing a foreign currency mortgage differs from the standard one. The rate under the program is 10.5% to 12%.
It should be remembered that the service is valid only if the main mortgage loan was taken from Raiffeisenbank. The option does not apply to loans taken from other institutions. Its main purpose is to change the currency of the mortgage loan within the organization. It will not work to close loans from other banks using the option.
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Borrower/co-borrower participating in income
Co-borrower can be
When refinancing a mortgage
- Official spouse.
- "Civil" spouse Persons of different sexes who have not registered marriage and are not married to other persons. Provided that the Principal Borrower's common-law spouse is the pledger..
- Close relatives Without vesting property in collateral. Borrower and/or spouse(s)/common-law spouse(s) of the Borrower (provided that he/she acts as a Co-Borrower under the loan agreement).
When refinancing a mortgage loan and other loans / obtaining additional Money for consumer purposes:
- Official spouse.
Age
With the conclusion of a combined mortgage insurance contract:
- from 21 years old at the time of applying for a loan and should not exceed 65 years old at the time of expiration of the loan agreement.
Without concluding a combined mortgage insurance contract:
- from 21 years old at the time of applying for a loan and should not exceed 60 years old at the time of expiration of the loan agreement.
Citizenship
Any state.
Actual place of residence / work
Must be located on the territory of the Russian Federation.
Minimum work experience
Employed individuals:
- At least 6 months with a total seniority at least 1 year.
- At least 3 months with a total work experience of at least 2 years.
- At least 1 year, if this place of work is the first for the borrower.
Notaries in private practice / lawyers with their own lawyer's office: professional activity must be carried out for at least 1 financial year.
Owners / co-owners of the business / individual entrepreneurs: the company's activities must be carried out for at least 3 fiscal years(this category of clients is not credited under the program "Extended refinancing secured by real estate").
Having a phone
A work and mobile phone is required.
Minimum income
at the main place of work after taxation
Borrower:
- 20,000 rubles - for Moscow / Moscow Region, St. Petersburg / Leningrad Region, Yekaterinburg, Surgut, Tyumen.
- 15,000 rubles - for other regions.
Co-borrower:
- 10,000 rubles - regardless of the region.
Credit history
- No bad credit history
- Should not have more than 2 mortgage loans from Raiffeisenbank JSC and/or other banks (excluding refinanced loan(s) and including newly approved one).
Non-financial co-borrower
Co-borrower can be
- Official spouse.
Age:
from 18 years old at the time of applying for a loan and up to 70 years old at the time of expiration of the loan agreement.
Citizenship
any state.
Credit history:
no bad credit history.
Requirements for collateral
Requirements for pledgers
Requirements for mortgagors when refinancing a mortgage loan:
- Previously granted mortgage loan special purpose(purchase of mortgaged housing, purchase of real estate with a pledge of other real estate owned, acquisition of an apartment under construction secured by rights of claim) and the main borrower and co-borrower:
- Married: the main borrower and/or the spouse of the main borrower and/or close relatives (adult children, parents, brothers or sisters (full/half-blood)) can act as the mortgagor.
- Unmarried (common-law spouses): the principal borrower must be the mortgagor together with the co-borrower.
- The previously provided mortgage loan was non-targeted (a loan for any purpose) and the main borrower and co-borrower:
- Primary borrower and co-borrower:
- Married: The principal borrower and/or the spouse of the principal borrower may be the mortgagor.
- Not married (common-law spouses): not allowed.
Requirements for mortgagors when refinancing mortgage and other loans/obtaining additional funds for any purpose:
The mortgaged property must meet the following requirements:
In the case of a pledge of an apartment for which, in accordance with the established current law the order of ownership is formalized:
- Have a kitchen / kitchen-dining room and a bathroom separate from other apartments.
- Be connected to electric, steam or gas heating systems that provide heat to the entire area of \u200b\u200bthe dwelling.
- To be provided with hot and cold water supply in the bathroom and in the kitchen, to have a central sewerage system.
- Have plumbing equipment (including a bathtub / shower located on the territory of the bathroom), doors and windows, with the exception of apartments without interior decoration.
- The possibility of lending secured by an object with unregistered redevelopment must be clarified with bank employees.
The apartment building in which the apartment is located must meet the following requirements:
- To be built:
- For all regions:
- not earlier than 2000, at least 3 storeys, regardless of the material of the walls.
- For Moscow Real estate objects included in the list of houses under the renovation program in Moscow are not subject to lending. and Moscow region:
- not earlier than 1950, at least 4 storeys high and have brick exterior walls;
- not earlier than 1950 and at least 6 floors, regardless of the material of the walls;
- not earlier than 1970 and 5 floors, regardless of the material of the walls.
- For St. Petersburg:
- not earlier than 1930 of construction and number of storeys of at least 4 floors, regardless of the material of the walls;
- not earlier than 1800 of construction, regardless of the number of storeys and wall material, if any overhaul, carried out not earlier than 1960 (if the overhaul was carried out before 1960, the house must be with a metal type of ceiling).
- For other regions:
- no earlier than 1950 with a minimum of 4 floors and brick outer walls;
- not earlier than 1955 and at least 5 floors, regardless of the material.
- For all regions:
- Not to be in an emergency condition and not to be registered for demolition or reconstruction with resettlement.
In the case of a pledge of claims to an apartment (before registration of ownership):
- AO Raiffeisenbank provides mortgage loans to refinance debt under mortgage loans other banks issued for the purchase of rights of claim to real estate (at the time of pledging the ownership of real estate was not registered), located in facilities under construction, erected in accordance with 214-FZ.
- Only facilities from the list approved by AO Raiffeisenbank are subject to lending.
- Not applicable when refinancing a consumer / auto loan / debt limit on credit card/ receiving an additional amount for any purpose.
Raiffeisenbank began work in Austria in 1886. This bank came to Russia in 1996. Unfortunately, while the offices Raiffeisen is only in major cities RF, such as Moscow, St. Petersburg, Perm, Novosibirsk, Samara and others.
Raiffeisenbank now occupies one of the top places in terms of lending to individuals. It offers a bank and refinancing of a mortgage taken from another credit institution.
Mortgage refinancing is the repayment of an existing loan with funds taken from another bank with a lower interest rate. Many borrowers choose Raiffeisenbank for mortgage lending.
Tariffs and conditions for mortgage refinancing in Raiffeisenbank
% per year: pledged housing in a new building | 9,99%
17,25% |
Loan term: secured by real estate in a new building
other real estate or personal purposes |
1-30 years old 1-15 years old |
Currency | in rubles |
Commission for issuing a loan | 0 |
Credit amount | up to 85% of the value of the mortgaged property
up to 60% with another type of refinancing |
Redemption | every month in equal installments |
Late payment fee | penalties 0.06% of the payment amount for each day of delay |
Security | pledge of real estate in favor of Raiffeisenbank |
Mortgage refinancing calculator on the Raiffeisenbank website
On the official website of iffeisenbank there is a simple and fast online calculator on which potential borrower can calculate the monthly payment:
Requirements for a borrower/co-borrower to conclude a mortgage refinancing agreement with Raiffeisenbank
Co-borrowers at the conclusion of the contract can be:
- Spouses with officially registered marriage;
- Cohabitants (different-sex citizens who are not officially married to other persons);
- Close relatives (if they do not have a share in mortgaged housing).
Age of the borrower/co-borrower (if an insurance contract is concluded): from 21 year (on the date of application for a loan) to 65 years (at the end of the loan term). If the borrower refuses insurance, then the maximum age should not exceed 60 years.
Citizenship can be any. But the place of residence and work is limited to the regions where the bank's offices are present. Also, the borrower must have a permanent or temporary registration in the region of presence.
Minimum length of employment for individuals who are employees:
- 6 months with a total experience of 1 year inclusive.
- 3 months with a total experience of 2 years inclusive.
- 1 year upon first employment.
For persons with private practice - from 1 year.
For individual entrepreneurs and business owners - the period of operation of the enterprise is from 3 financial years.
The borrower/co-borrower must provide work, home landline and mobile phone numbers.
The minimum income for residents of Moscow / Moscow Region, St. Petersburg / Leningrad Region, Yekaterinburg, Magadan, Surgut, Tyumen - 20 thousand rubles after taxes.
For other regions - 15 thousand rubles after taxes.
For co-borrower - 10 thousand rubles after taxes.
Credit history the applicant must not be bad (with marks of delinquency and non-payment of loans). Also, the borrower, if he wants the bank to approve his application, cannot have more than two mortgage loans. But if a citizen wants to pay off all their mortgages by refinancing in Raiffeisenbank, that is, there is a chance that his application will be approved.
Mortgage refinancing conditions at Raiffeisenbank in 2017
Raiffeisenbank's requirements for collateral real estate:
- Housing with the right of ownership registered according to the norms of the Russian Federation.
- Housing in which third parties do not live as tenants.
- Housing without any encumbrances (mortgage, rent, right of lifetime use).
- Housing not bought from close relatives.
Documents for refinancing a mortgage at Raiffeisenbank
- application form;
- Employment confirmation;
- Proof of income;
- Refinanced mortgage documents;
- Mortgage documents.