Get a loan. Refinancing loans at the lowest interest rate
- rubles
- 100,000 (one hundred thousand) rubles
- 3,000,000 (three million) rubles;
- 13 months;
- 84 months (up to 60 months for clients of the "Other" category);
- one-time loan.
- The interest rate is increased by 5 percentage points if there is no provision for obligations in the form of insurance (on a voluntary basis) against the risk of the borrower's death or the borrower's disability/accident risk.
Requirements for refinanced loans:
1. Loans issued in rubles are refinanced.
2. The term until the date of full repayment of the loan under the loan agreement is at least 3 months from the date the Client applied for refinancing (except for refinancing debt on credit cards / debit cards with an authorized overdraft issued by other creditor banks).
3. Timely repayment of debt:
Absence of current overdue debts (including interest and penalties);
Within 12 months prior to the date of application to the Bank, the presence of no more than 2 delays in payments for a period of no more than 29 days (inclusive).
4. Absence of restructuring on refinanced loans for the entire period of their validity.
5.1. For consumer loans provided by Bank GPB (JSC):
The amount of the balance of the principal debt for each refinanced loan - no more than 70% of the original amount of the refinanced loan or the service period of the refinanced loan as of the date of application for refinancing - at least 6 months;
Repayment of the current interest on the refinanced loan, subject to repayment simultaneously with the full early repayment of the principal debt, is made by the Borrower at its own expense.
5.2. For consumer loans provided by other creditor banks:
The service period of the refinanced loan as of the date of application for refinancing is at least 6 months
Requirements for documents and information provided when refinancing consumer loans (including debt on a credit card / debit card with a permitted overdraft):
1. When refinancing consumer loans issued by Bank GPB (JSC), the provision of documents on refinanced loans is not required.
2. When refinancing consumer loans / credit card debt / debit card debt with a permitted overdraft provided by other creditor banks:
2.1. in case of availability and sufficiency of information in the credit history bureau, it is required to provide information on payment details * and additionally, the client can provide information on the balance of the current debt **.
2.2. in the absence or insufficiency of data on the refinanced loan and / or the amount of current debt in the credit bureau, the borrower must provide the following information:
- on the terms of the loan agreement***:
- the amount of the loan (debt limit on the card) and the currency of the agreement;
- date of conclusion, validity period / expiration date of the contract; - the amount of current debt under the loan agreement and information about servicing the loan by the borrower from the moment it was granted, about the presence of current / repaid overdue debt, about the presence / absence of restructuring during the term of the loan agreement**;
- name and payment details* of another creditor.
either when applying for a loan or after making a decision to grant a loan before concluding a loan agreement.
** The information is confirmed by the borrower with a certificate from another creditor bank, issued no earlier than 30 calendar days before the date of submission to Bank GPB (JSC).
*** Information is confirmed by the borrower as part of the following documents (if there is sufficient information in one of the specified documents, no others are required):
- certificate of another creditor bank, issued not earlier than 30 calendar days before the date of submission to GPB Bank (JSC);
- a statement on the balance of the debt on the refinanced loan / on the card account (including prepared using remote channels (Internet banking) of another creditor bank), formed no earlier than 30 calendar days before the date of submission to GPB Bank (JSC);
- a document (report/statement/other document) reflecting card transactions (when refinancing card debt), generated no earlier than 30 calendar days before the date of submission to Bank GPB (JSC);
- a loan agreement / individual lending conditions / an agreement with a different name (when refinancing debt on a card), concluded between the client and the creditor, containing the conditions for issuing and servicing the card, the procedure for repaying the debt and other conditions.
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Bank "Intesa" has reduced interest rates on loans for consumer purposes
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10 Sep 2018By September 1, Severgazbank lowered interest rates on consumer loans
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23 Aug 2018MinBank issues consumer loans at 10.9%
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06 Apr 2018Levoberezhny Bank issues consumer loans at 12.9% per annum
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23 Nov 2017Changing rates
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Loans for a car, an apartment, education, household appliances and credit cards do not allow you to sleep peacefully? Try to refinance in one bank. This will help reduce the monthly payment, make life easier and more comfortable. The site "Yakapitalist" offers to get acquainted with the best offers.
What is a loan, almost everyone knows from personal experience. Most take loans and pay them back safely. But there are situations when a person needs help in paying off the remaining debt. Of course, no one will repay the loan for you, but it is possible to reduce and combine payments. We will consider where it is more profitable to refinance a loan. Meet the best offers of 2016.
Refinancing a loan, in simple terms, is the repayment of an old loan at the expense of a new one.
For example, you took a loan from bank N. One day you realized that you were paying huge interest. There are banks that are ready to offer a 2-3 times lower rate. You go to one of these banks (let's call it X) and say that you want to refinance. Bank X draws up a new loan for you and, without giving it to you, transfers it to bank N. The latter closes your loan account. Now you pay a much smaller amount to bank X and rejoice in your resourcefulness.
Refinancing will help if you have several loans in different banks. Having issued it in one institution, you will not constantly think about debts. In addition to reducing your monthly payment, you save time that would be spent on paying off several loans, which is important.
But there are a few pitfalls here:
- before counting on a reduction in payments, calculate the future payment. Find out the current rates, hidden commissions. Perhaps the credit institution does not agree on something, which will then affect the amount;
- with a bad credit history, a reputable bank will not give a new loan - it does not need delays. You must have pre-approved an application for a future loan;
- some banks in a crisis may refuse to refinance, although such an option is indicated in their product line. Check with staff ahead of time. For example, Sberbank in 2016 does not perform a similar procedure with consumer loans, only when buying or building real estate.
Requirements for borrowers
To start the refinancing procedure, you must meet the requirements that banks impose:
- age from 18-23 years old at the time of issuance and up to 55-70 years old at the end of the loan term;
- citizenship of the Russian Federation;
- registration in Russia, in the region where the loan is issued;
- absence of current overdue debt;
- the absence of an initiated bankruptcy procedure or lawsuits against the borrower;
- availability of documents on refinanced loans (contracts, notifications of the full cost);
- the presence of official income, which is documented (certificate of form 2-NDFL, or 3-NDFL, or in the form of a bank);
- availability of valid civil documents - passport, SNILS, international passport, military ID and others at the discretion of the bank;
- availability of up-to-date details for transferring funds to repay loans from other banks.
Otherwise, the requirements of a particular bank may vary.
It must be remembered that the bank has the right to refuse issuance. The reason is usually not reported. Do not torture the employee in the window. The decision is not made by him, but by a special internal underwriting service.
The best offers on the refinancing market in 2016
1. VTB24
Excellent conditions for conscientious payers and law-abiding citizens - a guarantee of 100% approval of the application. In total, you can combine up to 9 promissory notes. This includes conventional loans, credit cards, auto loans, and mortgages from various financial institutions. The amount of the total debt can range from 100,000 rubles to 3 million. The interest rate is 15% per year. This is a good rate when compared with loans 2-3 years ago. It is their people who usually want to re-register. The loan term is limited to 5 years. Borrower age starts at 21 and ends at 70.
2. Post-bank
A relatively new credit institution with ambitious plans to push Sberbank across the country. The conditions offered by him are not particularly attractive, but it is worth considering, since in the regions it may become the only alternative. The maximum loan amount under refinancing conditions does not exceed 500,000 rubles, but the minimum is only 50,000 rubles. It includes no more than 2 debt loans. The rate is 19.9%, but if you guarantee that you will pay on time, then the rate will be reduced to 16.9%. Loan terms are up to 72 months.
3. BinBank
The best conditions are offered to those who receive wages in it - from 16.5% per annum with an amount of 300,000 to 1 million rubles. Other clients will pay 20.5% on the same terms. If the loan amount is from 100,000 to 299,999 rubles, the interest rate rises to 24.5%. The term starts from 24 months and ends at 84. The maximum amount of refinanced loans is no more than 1 million rubles.
4. MKB (Moscow Credit Bank)
Issues loans to repay loans in other banks to persons over 18 years of age. The rate is calculated individually for each client and starts from 16% per annum. The possible amount is from 50,000 to 2 million rubles. Term from 6 to 180 months (15 years). The term for consideration of the application is from 3 hours to 3 days. A positive decision will be valid for 1 month. There are no commissions for issuing a loan and early repayment.
5. Citibank
This financial organization, although it is international, provides Russian citizens with favorable conditions for refinancing loans taken from other banks. The minimum amount is 100,000, the maximum is 2 million rubles. The term is from 2 to 5 years. The interest rate is very attractive - 15% per annum. But there is one condition. If within 3 months you do not repay the loans for which you took funds or, upon request from the Bureau of Credit History, Citibank sees that the loans are not closed, then the rate immediately increases to 25%. One of the prerequisites is that the borrower must have an official income of at least 30,000 rubles (net) and he must document it.
To choose the best refinancing offer, let's look at the summary table.
Offer analysis
It is worth saying that the market for refinancing services has declined significantly in recent years. This is most likely due to the general financial crisis and the unwillingness of banks to take on additional risks. Only 20% of financial institutions from the TOP30 can boast of such an offer. Even Sberbank only refinances loans secured by real estate.
All the presented banks give their customers the opportunity to reduce the payment without collateral and guarantees, which is very convenient. There is no commission for issuance, maintenance and early redemption, but there are additional options for which a certain percentage may be taken. Here it is worth mentioning Post-Bank right away. 19.9% is declared, but with a guarantee of a timely return, the client will pay only 16.9%. However, his Guaranteed Payment service, which reduces the loan rate, costs 3% of the loan amount. That is, the client does not win anything.
BinBank offers a favorable rate - 16.9%, but not to everyone, but only to "salary" clients. MKB also pleases with its offer - from 16%, long loan terms and the ability to get a loan even at 18 years old. But the main favorites remain Citibank and VTB24. Their rate is record low - from 15%. If we look more closely, we can see that VTB24 wins due to:
- quick decision making on a client application;
- a large maximum amount (up to 3 million rubles);
- minimum loan term (6 months);
- pooling up to 9 debt obligations.
Summarizing
If you are tired of paying huge amounts for a loan or you are tired of remembering numerous debts every month, consider refinancing.
1+1=1? It turns out that this happens!
There are several reasons for refinancing. The client may suddenly lose his current job, or the company will become bankrupt (which, by the way, the borrower must notify the lender). In this case, the obligations will become unbearable. Money (accumulated and from other sources of income) may not be enough for a normal standard of living and payment of a monthly contribution.
You can contact the bank with a proposal to extend the term of the contract. At the same time, the monthly burden will be significantly reduced. But they rarely use on-lending programs. The matter is that the majority of financial organizations carry out "anti-recessionary" projects. As part of the program, the client receives credit holidays or deferred payments. In this case, the loan agreement is not terminated.
The duration of the preferential payment regime depends on the conditions of the bank, as well as the supporting information provided by the client.
2 best offers for today
Reputable banks are distinguished by loyal interest rates, minimum requirements, as well as the possibility of remote service.
VTB Bank of Moscow
There are special refinancing conditions for payroll clients, employees of corporate clients, as well as employees of the education, healthcare, law enforcement and government sectors.
The annual rate is set on an individual basis depending on the category of the applicant. Combining multiple transactions is allowed.
The on-lending scheme offered by this financial institution will help you effectively reduce the rate and one-time payment by obtaining additional funds for personal needs or by combining several different agreements into one agreement. A new loan can be issued in the amount of up to 3 million rubles for a period of up to 5 years. The rate varies depending on the category of clients within 12.9-17%. The main groups of clients who are invited to participate in the program:
- employees of enterprises participating in the salary project from VTB Bank of Moscow;
- employees of corporate clients who are parties to the agreement with the bank;
- persons employed in the public sector or law enforcement agencies.
To get better credit conditions, for example, to reduce the rate to 12.9%, ordinary customers are recommended to switch to receiving salaries through the cards of this bank.
Under the terms of refinancing, the new borrower has the right to early repayment of the debt. At the same time, he is given an international debit card as a gift without commission during the first year. Untimely repayment of the debt threatens to accrue a penalty at the rate of 20% per annum for the period of delay. It is also possible to connect additional services:
- "Credit holidays" with a delay of 2 payments according to the schedule;
- voluntary insurance under three affordable tariff plans;
- one-time change of payment date.
Citizens of the Russian Federation aged 21-75 who have a current record of more than 3 months can count on debt refinancing. and are not involved in the process of personal bankruptcy. For payroll clients, for registration, it is enough to provide a passport, SNILS, information about the existing debt on old loans. For other categories of clients, the package of documents will be wider. You will have to present an additionally certified copy of the employment record and proof of income. Also, VTB Bank of Moscow will require that under refinanced agreements:
- service lasted more than 6 months. on the date of application;
- there were no current delays and violations of deadlines for more than 30 days for the entire period of using the money.
Bank Pervomaisky
To refinance loans from third-party organizations, a loan is issued in the amount of 100 thousand to 1 million rubles for a period of up to 60 months. The base interest rate is 19%, however, it can be reduced upon confirmation of the intended use of the loan:
- Conscientious clients of the financial institution itself up to 12.5%.
- Persons receiving a salary or pension on a card or an account with Pervomaisky Bank up to 14.5%.
- State employees and pensioners up to 16.5%.
- Other categories of borrowers up to 17.5%.
An application for participation in the program from a financial institution can be submitted by a citizen of the Russian Federation aged 21-75 who has official employment. You also need to have official registration with residence in the locality where the bank's offices operate. Individuals who apply for refinancing receive the following benefits:
- no restrictions on the number of debt agreements that need to be covered by a new loan;
- issuance of funds is made for the early repayment of any consumer loans, both requiring collateral and without it, as well as mortgages, auto loans, credit cards and overdrafts;
- the ability to reduce the monthly installment and the amount of the total overpayment;
- providing, upon request, an additional amount to cover needs not related to on-lending;
- making a gift for borrowers - a convenient debit card.
However, there is also a limitation - the loan amount cannot exceed the refinanced debt by more than 25%. For example, if your debt is 300 thousand rubles, then you can count on an agreement with a fixed amount of no more than 375 thousand rubles. When applying for 500 thousand rubles or more, the bank reserves the right to request a pledge of a car or real estate. In addition, the financial institution imposes such requirements on loans repaid under the refinancing scheme:
- the absence of debt that has been overdue at the current moment;
- loan activity for more than 6 months;
- the time remaining until the full payment is over 6 months.
To obtain a loan from Pervomaisky Bank, along with the application, you must provide a passport, a document on income received, as well as a certificate of current debt for each overlapped loan. After paying off the initial debts, it is recommended to confirm this fact with a certificate.
Submit your applicationOffers from other banks
Consider the most advantageous offers for refinancing loans in the top banks in the country.
Terms of refinancing in Sberbank of Russia
The largest bank in the Russian Federation has an affordable refinancing program. The client can make a deal on favorable terms:
- The annual rate is from 15.9%.
- The term of the contract is from three months.
- The loan amount depends on the territorial location of the bank's subdivision. For example, in the Chelyabinsk region, a client can receive up to one and a half million rubles.
- Benefits have been developed for employees of budgetary institutions, as well as civil servants.
- Consolidation of no more than five loans in third-party organizations is allowed. In addition to consumer loans, Sberbank of Russia also repays secured car loans.
According to the terms of the program, the client is not required to bring a certificate of income, as well as a certified copy of the work book. The application process is quite simplified. The client will need to contact the nearest branch of the bank. The employee will provide an application form.
The completed document with all additional papers must be submitted to the relevant credit department. The decision is made within two business days. The Bank reserves the right to extend the term for consideration of the application if the submitted information requires more thorough verification.
Features of refinancing for domestic clients
As a rule, bank customers who overdue payments for three months end up with financial support from friends or relatives. Therefore, refinancing is often simply unprofitable for borrowers. Significantly increases the final overpayment.
Sberbank of Russia has special conditions for participants in the salary project. For example, if the client likes the terms of the new agreement, he can apply for refinancing. Lowering the rate allows the borrower to save up to three hundred thousand rubles.
If a client recently got a new job and now receives a salary at Sberbank of Russia, he needs to work in a new place for at least six months. If the applicant has not changed the employer, it is necessary to agree with the company's accountant to transfer the salary to the bank.
The current legislation does not regulate the issue of service. The decision is often made by the head, as well as the chief accountant of the organization. Unlike other financial structures, even if one client submits an application, Sberbank of Russia will create a salary project. But you will need a formal agreement with the management of the company. Regular crediting to a debit card does not entitle the client to take advantage of the discount.
If the managers or owners of the business are against the transfer, the client can still receive a discount of 0.25 percent.
Rosbank
The institution reissues all types of debt (including mortgages, car loans, overdrafts and credit cards). In addition to repayment, the client can spend the money for personal needs. Borrowers with a positive credit history and no delinquencies on current obligations are eligible to participate in the program.
More than ten categories of clients have been developed. The annual rate, as well as the terms of the contract, are considered on an individual basis. Registration of the transaction is available in all divisions of Rosbank.
VTB 24
The bank has a special refinancing program. Repayment of the current debt is made at a reduced rate - only fifteen percent per annum. VTB 24 guarantees the approval of the transaction to trustworthy payers. It is possible to combine up to six credit obligations. The bank also pays off credit card debt.
You can apply for a lower monthly payment and reduce your total overpayment. But there is one limitation. The Bank does not refinance debt on loans issued by partners of the VTB Group.
VTB 24 offer.
Salary customers are served on special terms. The annual rate has been reduced to 15.5%. For other clients, the bank remuneration has been increased by two points. The amount of the loan agreement is from one hundred thousand to one million rubles. For customers with a debt of less than five hundred thousand rubles, an application is available on the official website.
Alfa Bank
A loan product has been developed to repay previously issued obligations. The bank allocates funds only to close the contract for the purchase or construction of an apartment, as well as a share of real estate.
Conditions for consumer loans are limited. On-lending is valid for customers with targeted loans for repairs. But in return, the bank will require to transfer the object of the contract as collateral.
Unlike standard refinancing programs, Alfa-Bank lends regardless of citizenship. At the time of the transaction, the client must be over twenty years of age. It will take up to 64 years to repay the debt in full.
Refinancing at the bank is available to employees, founders, co-founders, as well as individual entrepreneurs.
Rosselkhozbank
On-lending is available to customers who have taken out a consumer loan. The maximum possible amount of repayment of obligations is one million rubles. But the funds should only be used to cover the principal debt.
The term of the contract is set from thirty days to sixty months. The amount of bank remuneration depends on the loan period. If the client is rescheduled for up to two years, the annual rate will be 18.5%. In other cases, the borrower needs to pay from nineteen percent per annum.
As a guarantee, the bank will require the participation of additional parties. For a contract up to three hundred thousand rubles, one guarantor will be required. Larger amounts will be agreed only after taking into account the combined income of two or more guarantors.
Eastern Express Bank
One of the largest and most actively developing banks in the country has developed profitable offers for the retail business. Individuals are given consumer loans at a low rate - only fifteen percent per annum. Cash can be used to pay off the remainder of outstanding debt or to meet obligations during a period of temporary financial hardship.
The bank will require a minimum package of documents. Lending to citizens up to 76 years. Proof of official employment will be required. At the current place of work, the client must be registered for at least three months.
Renaissance Credit
The leading bank in consumer lending issues loans, credit and debit cards, deposits and other types of products.
For existing customers there is a profitable offer. A loan is provided for any needs up to five hundred thousand rubles. At the same time, the annual rate is set from 13.9%. The contract is concluded from one year to sixty months.
Tinkoff Bank
Offers a cash loan up to fifteen million rubles. It is possible not to visit a bank representative office. Convenient remote service is provided. Money is issued at the request of the client - in a single amount or in several tranches.
The funds can be used to pay off current debt. The rest of the client has the right to use at its discretion. Proof of expenses is not required.
Citibank
Offers profitable refinancing of debts of other credit and financial institutions. A consolidated balance sheet (combining several liabilities) will help to simplify the repayment of existing loans.
Citibank offers an attractive on-lending program for existing liabilities.
As part of the program, you can get money at a favorable rate - fifteen percent per annum.
Bank "Revival"
Credit funds are allocated for any purpose. Proof of intended use is not required. To complete the transaction, you need to attract a guarantor (only an individual). The borrower can spend the unused part of the funds on the purchase of land, real estate, a car, and the like.
The loan is issued in a lump sum in full after the conclusion of the contract. Also, the bank can transfer the amount of the transaction to the details provided by the client.
Liabilities must be repaid in equal monthly installments. The maximum transaction size is two million rubles.
BinBank
Conducts refinancing on favorable terms. For the first six months, the interest rate will be 14.99%. During the subsequent period of the contract, the client needs to pay a fee 2 points below the current obligation. The effective annual rate is calculated from 16.5 to 24.5 percent.
For public sector employees and payroll clients, the maximum possible loan amount is one million rubles. New customers will be agreed up to five hundred thousand rubles.
Gazprombank
The offer is valid for customers with a consumer loan issued in another bank. The transaction will be agreed upon under an agreement, the validity of which is at least six months. The maximum contract period is seven years. Credit is issued up to three and a half million rubles at 12.25% per annum.
Raiffeisen Bank
Several programs for borrowers have been developed. Preferential conditions are provided to the bank's salary customers, employees of partner companies, as well as Premium customers.
As part of the Personal Loan program, the annual rate is calculated individually from 14.9 to 19.99%. The term of the contract is set to five years. The maximum transaction amount is one and a half million rubles. The participation of third parties, as well as the registration of collateral, will not be required.
Home Credit Bank
The terms of the contract depend on the category of the applicant. Existing customers have the opportunity to receive from ten to eight hundred and fifty thousand rubles. The application is considered within two hours. The maximum period for fulfilling obligations is seven years. The money can be used to pay off current debt or spent on personal needs. The client must have a positive credit history.
Refinancing a bad loan gives a lot of opportunities to the borrower. But before signing, carefully study all the conditions. If you make a delay, the bank can not only charge a fine, but also write off funds from open accounts.
Refinancing loans from other banks: the best offers
4.3 (85.93%) 91 votesDebts are always unpleasant, but the promises of credit institutions about the momentary receipt of the necessary amount to buy a dream rarely leave people indifferent. The client submits an application, after which he receives a long-awaited loan. However, even if the borrower is fully confident in his solvency, unforeseen circumstances can always arise. In such a situation, one has to look for a way to pay off the debt on the most acceptable and favorable terms. Once in this situation, the first thing to do is to find out which banks do consumer credit refinancing.
Why you need to refinance a loan
Many people take a variety of loans from banking institutions. Refinancing allows you to combine all debts on loans taken from different banks in one credit institution, while the amount of debt is redistributed on favorable terms for the client.
Naturally, this service is not for everyone. The bank puts forward a certain number of requirements that the client must meet. For example, a good credit history of the borrower is of particular importance. If the client paid the debt with delays, then he will not be able to count on the redistribution of the loan. Also important criteria for obtaining refinancing are the age of the person, his citizenship, work experience, the currency in which the loan was taken.
There are several reasons why clients apply for refinancing:
- For the sake of lowering the interest rate;
- To slow down the process of paying off the remaining debt;
- For the sake of convenience, all debts on loans can be paid in one banking organization, without wasting time on trips to different institutions.
Credit institutions engaged in refinancing
Banking organizations that are engaged in on-lending offer customers a variety of programs. The borrower can apply to several institutions at the same time, thanks to which he has the opportunity to choose the most suitable offer for himself.
When choosing a bank, the client should definitely take into account the type of refinancing that suits him. For example, not all organizations consider mortgage loans. Most of them specialize in consumer loans, since loans of this type are processed more often than others.
So which banks do consumer loan refinancing? First of all, you should pay attention to:
- Sberbank;
- Binbank;
- Alfa Bank;
- Rosselkhozbank;
- VTB 24.
Each of the mentioned organizations sets its own interest rate, determines the terms of payments, and also imposes certain requirements on a potential borrower.
Sberbank
It is especially easy to get refinancing at Sberbank if a person is already a client of the bank: his salary comes to the card of this credit institution, he has already paid or is still paying a loan to the institution.
An individual can apply for refinancing a loan at Sberbank if:
- The age of the client is 21 years or more (but not older than 75 years);
- The borrower is solvent (has a stable income every month);
- The potential client has solvent guarantors (3 people);
- The borrower's work experience for the last 5 years must be equal to one year. At the same time, the experience at the current workplace is at least 6 months;
- The amount of income is sufficient to pay all debts.
These requirements are basic, but an employee of the institution may report additional conditions.
This bank does not reduce the amount of debt that must be repaid, but reduces the amount of payment per month.
The service is not provided:
- Persons with informal income;
- People whose wages are not enough to pay the monthly debt.
Binbank
When wondering which bank does loan refinancing, you should pay attention to Binbank. For state employees, as well as citizens who are already clients of this organization, registration is carried out even for solid loan amounts (up to a million). Clients who are just starting cooperation with Binbank can cover debts, the amount of which ranges from 100 thousand to 500 thousand rubles.
Basic conditions:
- Cash loans can only be received in rubles;
- Loan terms – from 2 to 7 years;
- In the first 3 months after receiving a loan, the interest rate is 13.3% per annum, after this period the rate increases - it can range from 15% to 24.5%;
- The credit institution makes a decision on the issuance of finance within three days. The validity of such a decision is one month. If the client does not confirm his application within 15 days from the moment of a positive response from the bank, then the organization revises the terms of refinancing.
- The client is not required to pay a deposit, he does not have to look for guarantors;
- You can pay off your debt every month. It is possible to pay off the debt ahead of schedule.
Alfa Bank
There are a large number of factors that influence Alfa-Bank's decision to refinance. The terms of the contract in this organization are quite simple and similar to the conditions put forward by other credit institutions:
- For citizens who receive a salary at the bank, the lowest interest rate is 11.25% per annum, for potential customers - 11.5%;
- The largest amount of financial assistance is 60 million rubles, the smallest is 600 thousand rubles.
The advantage of this bank: it is possible to refinance both consumer and mortgage loans.
Rosselkhozbank
Many clients are interested in which banks do refinancing of overdue loans. Rosselkhozbank is one of such banks. In this case, the delay in this case must be minimal. A good credit history is very important for an organization, and with a large delay, it cannot be positive in any way.
Refinancing is processed according to the following scheme: the client submits an application, provides all the necessary papers, the bank considers the application for 3 days and reports the result.
The main requirements of the bank:
- The currency in which the loan is issued is rubles;
- The maximum loan amount is 750 thousand rubles, for people receiving wages on a Rosselkhozbank card - a million rubles;
- The potential borrower must be solvent;
- Loan terms – up to 5 years;
- There is the possibility of both partial and full repayment of the debt;
- The Bank deals exclusively with consumer loans;
- Must have insurance.
VTB 24
Refinancing is carried out on attractive terms if a potential client is registered in the area covered by VTB 24 monitoring. A person can personally come to the nearest bank branch and submit an application. It is also possible to use an online service.
Loan refinancing terms:
- Variable interest rate - 13.9-15%;
- The largest loan amount is 3 million rubles, the smallest is 100 thousand rubles;
- Loan terms - from 0.5 to 5 years;
- The largest number of cards or credits that can be combined is 6;
- Overpayments and the amount of payment per month are minimized;
- There is a possibility of obtaining additional amount of money.
Having considered which banks offer refinancing of loans from other banks, we can conclude that many credit institutions in Russia are ready to meet their customers halfway. Refinancing is a common practice all over the world, so you should not be wary of this service. However, in order not to be mistaken, you should initially carefully study the conditions of all organizations, and only then make a choice in favor of one of them.