Refinancing a mortgage at Raiffeisenbank. Refinancing at Raiffeisenbank: conditions, interest rate

Obtaining a mortgage loan is the only opportunity for many citizens to acquire housing. However, a home purchase loan differs in duration. The mortgage is provided for 10-20 years. Significant changes may occur over the period. Financial position the borrower may deteriorate, which will lead to the emergence of a 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 currency of the mortgage within the organization. To choose a suitable loan, you need to study the conditions under which refinancing at Raiffeisenbank is carried out, and familiarize yourself with other nuances.

Service features

Refinancing a mortgage for individuals - obtaining a new loan to pay off the old one. By resorting to the service, the borrower seeks to improve existing conditions repayment of the loan.

Refinancing can help:

• transfer a mortgage loan to another bank;
• replace the currency of the loan;
• reduce the current interest rate;
• increase the debt repayment period.

The option is also present in the list of Raiffeisenbank's services. Unlike most financial institutions, the company adjusts most of the parameters for the client.

The organization's employees take into account:

• the client's solvency;
• the amount of the applicant's monthly income;
• the presence of additional spending;
• other external factors that can affect the debt recovery.

Raiffeisenbank 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.

Terms of providing funds

Raiffeisenbank is distinguished by a high speed of application consideration. The company's decision 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. No alternatives are 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 case of receiving an inappropriate loan secured by real estate, the client will have to repay the received mortgage 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%. Raiffeisenbank does not seek to compensate for the relatively small rate through additional payments. No fees are charged for consideration of an application for a refinancing and issuance of a loan. If the company agrees to issue the money, it will go to the borrower's account, which was opened specifically for this purpose in the bank that provided the original mortgage. Alternative options no capital receipt is provided.

Repayment of a mortgage loan in Raiffeisenbank is carried out in the classical form. The person will have to make monthly payments on the loan, observing the established deadline.

Important! Delays are fraught with penalties. If a person does not have time to deposit funds on time, Raiffeisenback will begin to charge a penalty of 0.06%. It should be remembered that penalties are charged every day.

As with classic mortgages, collateral is required for refinancing. An apartment bought on credit plays its role. Its owner will have to pledge the property to the company until the full repayment of the obligations.

Requirements for a potential borrower

Not all citizens wishing to refinance a loan can manipulate Raiffeisenbank. For an organization to agree to a transaction, the client must:

• attract a co-borrower;
• reach 21 years of age, but at the same time not exceed the age of 65;
• be a citizen of any state;
• reside in the region of the bank's presence;
• have an official registration in the region of the bank's presence;
• work at the last place of employment for a specified period;
• have a means for realizing operational communication;
• have a positive credit history;
• not have unsecured loans, except for refinanced loans;
• receive income, the amount of which reaches or exceeds the minimum established rate.

To get a loan to pay off the current mortgage, a person will have to attract a co-borrower. His role can 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 can 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 in the role of a co-borrower should not have a share in mortgage real estate.

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 use 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 departments of the institution. Requirements also apply to seniority.

Money to pay off an existing mortgage is issued in 1 out of 3 cases:

• the borrower has worked in the last place for at least 6 months with a total experience of 1 year;
• the borrower worked in the last place for at least 3 months with a total experience of 2 years;
• the borrower has worked in the last place for at least 1 year, if this is his first employment.

To use refinancing, you need to have sufficient income. A person must receive at least 20,000 rubles if he lives in:

• Moscow and Moscow region;
• 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 fixed amount must remain after tax and represent earnings at the main place of employment.

Requirements apply to 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 real estate for which the applicant wants to get a loan. To approve a refinancing request, the following requirements must be met:

1. Only real estate, which served as collateral for the previous lender.
2. The bank will accept as collateral only an apartment registered in accordance with the procedure established by law.
3. Real estate can only be encumbered by the previous creditor. If the apartment is pledged for other loans, Raiffeisenbank will refuse to cooperate.
4. At the time of pledge, the apartment should not be in the use of other persons
5. Real estate, with which the previous creditor removes the encumbrance, must immediately be registered as collateral.

For the company to agree to lend money, the property must not be too dilapidated. Studying the future collateral, Raiffeisenbank experts pay attention to the year of construction. It can vary significantly depending on the region of residence of the borrower. So, if residents St. Petersburg can re-lend 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 fixtures, doors, windows and a roof.

If during the inspection of real estate malfunctions are revealed, the company may refuse to issue money in debt.

List of required documentation

It will not be possible to use the refinancing service without documentation. The bank will need to provide:

• passport;
• SNILS;
• certificate of marriage or divorce, if the borrower has 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;
• a loan agreement for a refinanced loan;
• documents confirming ownership of the mortgaged real estate.

The list of documentation 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 an entrepreneur will have to supplement the package of papers with a tax return.

Design features

Today there is a clear procedure for refinancing mortgages at Raiffesenbank. For the bank to agree to issue funds to pay off the existing debt, you will need to do the following:

1. Submit your application. Before performing the action, experts advise to consult with Raiffeisenbank specialists. The action can be performed during a personal visit to the branch of the organization or by phone. A company specialist will help you clarify the package of documentation required to submit an application. When it is assembled, the person can visit the branch of the company and hand over the papers.
2. Wait for the company's decision. 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.
3. Prepare for the deal. After approval, the person has 3 months to collect the necessary papers on the subject of the pledge and carry out other preparatory procedures. If during the deadline papers for the real estate object will not be submitted to the company, you can extend the positive decision by providing an updated package of documentation.
4. 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 the operation. 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 complete. You can clarify all the nuances of the procedure by visiting the official website of the institution.

Refinancing a foreign currency mortgage

Despite the fact that Raiffeisenbank carries out refinancing only in rubles, the organization's service can be used to obtain money in debt to close a foreign currency loan taken for the purchase of housing. In this case, all requirements that apply during the execution of a classic transaction must be observed.

Important! The overpayment for refinancing a foreign currency mortgage differs from the standard one. The rate for 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. You cannot close loans from other banks using the option.

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Borrower / co-borrower participating in income

The co-borrower may be

When refinancing a mortgage loan

• Official spouse.
• "Civil" spouse Unmarried persons of different sexes and unregistered marriages with other persons. Provided that the Common-law spouse of the Principal Borrower is the pledger..

• Close relatives Without vesting with property in collateral.The Borrower and / or spouse (s) / civil spouse (s) of the Borrower (provided that he (s) acts as the Co-Borrower under the loan agreement).

When refinancing a mortgage and other loans / obtaining additional money for consumer purposes:

• Official spouse.

Age

With the conclusion of a combined mortgage insurance contract:

• from 21 years of age at the time of submission of documents for a loan and must not exceed 65 years at the time of the end of the loan agreement

Without concluding a combined mortgage insurance contract:

• from 21 years at the time of submission of documents for a loan and must not exceed 60 years at the time of the end 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

Individuals employed:

• At least 6 months with a total length of service of at least 1 year.
• At least 3 months with a total length of service of at least 2 years.
• At least 1 year, if this place of work is the first for the borrower.

Notaries in private practice / attorneys with their own attorney's office: professional activity must be conducted for at least 1 financial year.

Business owners / co-owners / sole proprietors: the company must conduct at least 3 financial years (this category of clients is not credited under the Extended Refinancing Secured by Real Estate program).

Phone availability

A work and mobile phone is required.

Minimum income

at the main place of work after tax

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
• Must not have more than 2 mortgage loans from JSC Raiffeisenbank and / or other banks (excluding the refinanced (s) and taking into account the newly approved one).

Non-financial co-borrower

The co-borrower may be

• Official spouse.

Age:

from 18 years old at the time of submission of documents for a loan and up to 70 years old at the time of the end of the loan agreement.

Citizenship

any state.

Credit history:

no bad credit history.

Requirements for collateral

Requirements for pledgers

Requirements for pledgers when refinancing a mortgage loan:

1. The previously granted mortgage loan had a specific purpose (purchase of housing pledged as collateral, purchase of real estate with collateral of other real estate owned, purchase of an apartment under construction secured by rights of claim) and the main borrower and co-borrower:
   • Married: the primary borrower and / or spouse of the primary borrower and / or close relatives (adult children, parents, brothers or sisters (full / half)) can act as the pledger.
   • Not married (common-law spouses): the main borrower together with the co-borrower must act as the pledger.
2. The previously granted mortgage loan was inappropriate (a loan for any purpose) and the main borrower and co-borrower:

Requirements for pledgers when refinancing mortgage and other loans / receiving additional funds for any purpose:

1. Principal borrower and co-borrower:
   • Married: the principal borrower and / or the spouse of the principal borrower can be the pledger.
   • Not married (common-law spouses): unacceptable.

The apartment to be pledged must meet the following requirements:

In case of mortgage of an apartment for which in the established current law the right of ownership is formalized:

1. Have a kitchen / kitchen-dining room and a bathroom separate from other apartments.
2. Be connected to electrical, steam or gas heating systems that provide heat to the entire living area.
3. To be provided with hot and cold water supply in the bathroom and in the kitchen, have a central sewerage system.
4. Have sanitary equipment (including a bath / shower, located on the territory of the sanitary unit), doors and windows, except for apartments without interior decoration.
5. The possibility of lending against the security of an object with unregistered redevelopments should be checked with the bank employees.

The apartment building in which the apartment is located must meet the following requirements:

1. To be built:
   1. For all regions:
      • not earlier than 2000, no less than 3 storeys, regardless of the wall material.
   2. For Moscow The real estate objects included in the list of houses within the framework of the renovation program in Moscow are not eligible for crediting. and the Moscow region:
      • no earlier than 1950, no less than 4 storeys and have brick outer walls;
      • not earlier than 1950 and no less than 6 storeys, regardless of the wall material;
      • not earlier than 1970 and 5 storeys, regardless of the wall material.
   3. For St. Petersburg:
      • built not earlier than 1930 and no less than 4 storeys, regardless of the wall material;
      • not earlier than 1800 year of construction, regardless of the number of storeys and wall material, if available overhaul, carried out not earlier than 1960 (if the overhaul was carried out before 1960, the house must be with a metal type of floors).
   4. For other regions:
      • not earlier than 1950 with at least 4 storeys and have brick outer walls;
      • not earlier than 1955 and no less than 5 storeys, regardless of the material.
2. 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 the rights of claim to the apartment (before registration of ownership):

1. JSC "Raiffeisenbank" provides mortgage loans to refinance debt on mortgage loans other banks issued for the purchase of rights of claim to immovable property (at the time of the pledge, the title to immovable property was not registered), located in facilities under construction, erected in accordance with 214-FZ.
2. Only objects from the list of approved by Raiffeisenbank are eligible for crediting.
3. Not applicable when refinancing a consumer / car 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 large cities RF, such as Moscow, St. Petersburg, Perm, Novosibirsk, Samara and others.

Raiffeisenbank now occupies one of the top places in terms of private lending. Offers a bank and refinancing a mortgage taken from another credit institution.

Refinancing a mortgage is paying off an existing loan with funds borrowed from another bank with a lower interest rate. Many borrowers choose Raiffeisenbank for on-lending mortgages.

Rates and conditions for refinancing a mortgage in Raiffeisenbank

Calculator for calculating mortgage refinancing on the Raiffeisenbank website

On the official website of P eiffeisenbank there is a simple and fast online calculator on which a potential borrower can calculate the amount of the monthly payment:

Requirements for the borrower / co-borrower for concluding a mortgage refinancing agreement with Raiffeisenbank

Co-borrowers when concluding an agreement can be:

• Spouses with an officially registered marriage;
• Cohabitants (heterosexual citizens who are not officially married to other persons);
• Close relatives (if they do not have a share in mortgage housing).

Borrower / co-borrower age (if an insurance contract is concluded): from 21 year (on the day of applying for a loan) to 65 years (on the day the loan expires). If the borrower refuses insurance, then the maximum age should not exceed 60 years.

Citizenship can be anything. 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 work experience 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 term 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 is 20 thousand rubles after taxes.
For other regions - 15 thousand rubles after taxes.
For the co-borrower - 10 thousand rubles after taxes.

Credit history the applicant should not be bad (with notes on delays and non-payment of loans). Also, the borrower, if he wants the bank to approve his application, cannot have more than two mortgages. But if a citizen wants to pay off all their mortgages through refinancing in Raiffeisenbank, that is, there is a chance that his application will be approved.

Conditions for refinancing mortgages at Raiffeisenbank in 2017

Raiffeisenbank's requirements for mortgaged real estate:

• Housing with a property right registered in accordance with the norms of the Russian Federation.
• Accommodation in which there are no third parties as tenants.
• Housing without any encumbrances (collateral, rent, the right to use for life).
• Housing not bought from close relatives.

Documents for refinancing a mortgage at Raiffeisenbank

• Application form;
• Proof of employment;
• Proof of income;
• Refinanced mortgage documents;
• Pledged real estate documents.