Raiffeisenbank refinancing mortgages of other banks. Is it profitable to refinance a mortgage at Raiffeisenbank? Conditions and important nuances
Refinancing is a service of refinancing an existing loan on more favorable terms.
In our economically difficult time, this option is in special demand among Russian consumers. Offers it and such a major financial structure like Raiffeisenbank. Under what conditions - read on.
Interest rate for mortgage refinancing at Raiffeisenbank
The main indicator of any loan, which the borrower should first of all pay attention to, is the interest rate set by the bank for the annual period. Therefore, if the user decides to renew an existing consumer loan or mortgage, the percentage of overpayment under the new agreement should be lower than under the existing one.
Today Raiffeisenbank offers to refinance a mortgage loan issued by third parties financial companies for the purchase of real estate favorable rate 9.99% per year.
Mortgage refinancing rate at Raiffeisenbank is 9.99% per annum
Such a loan is issued for a period of 12 months to 30 years, in the amount of up to 26 million rubles. At the same time, it is possible to reissue both a mortgage in a new building and a loan for an object of the secondary housing market. (By the way, do you know which ones).
Conditions and requirements for borrowers and mortgages
In order to take advantage of Raiffeisenbank's mortgage refinancing offer, potential borrower must meet certain requirements, namely:
- be a citizen of the Russian Federation or any other state (more banks where you can get a mortgage for a foreign citizen);
- reside within the administrative boundaries of the presence of one of the creditor's offices;
- have a permanent registration in one of the regions of Russia where the bank's subdivision is located;
- be an adult (allowable age is from 21 to 65 years old on the date of payment of the last installment. A pensioner over 65 years old cannot apply for refinancing at Raiffeisenbank);
- have a total work experience of at least 12 months and have worked at the last enterprise for at least 6 months;
- the minimum monthly income should be over 20 thousand rubles for residents of the capital and more than 15 thousand for those living in other regions of the country;
- have a telephone (mobile and home);
- have a positive credit history without debts and fines, not only for the last loan that is planned to be refinanced, but also in general.
Also financial institution presents a number mortgage requirements other bank:
- it must be issued for a property located in a region where there is at least one bank branch;
- housing must be in a new building or belong to the secondary market real estate.
Required documents:
- application in the form of a questionnaire for mortgage refinancing;
- passport document (original + copy);
- certificate of insurance SNILS;
- consent to the processing given in writing (when submitting online applications it is enough to tick the appropriate box);
- marriage certificate or its dissolution (if any);
- work book (copy certified by a notary);
- act from the place of work on the monthly salary;
- a copy of the existing mortgage loan agreement;
- certificate in form 2-personal income tax;
- documents for mortgaged property(housing purchased on a mortgage must be issued to the borrower and be pledged to the bank).
The above list can be expanded or simplified according to the conditions of the banking structure.
Refinancing consumer loans: rate
Refinancing consumer loans in Raiffeisenbank is carried out on the following terms:
- fixed interest rate - 11.99%;
- the minimum amount is 90 thousand rubles;
- the maximum limit is 2 million rubles;
- loan repayment period - from 12 to 60 months;
- possibility to refinance – up to 5 credits.
In Raiffeisenbank, individuals can refinance up to 5 loans at the same time, if their amount does not exceed 2,000,000 rubles. The interest rate is 11.99% per annum.
Loan requirements:
- loans taken from domestic banking companies are re-registered;
- up to 5 loans - it can be a car loan, a consumer loan or a mortgage;
- up to 4 credit cards.
The borrower must meet the following criteria:
- be employed,
- have Russian citizenship,
- be between the ages of 23 and 67,
- have a fixed work phone and a mobile number.
Required documents
To reissue a consumer loan, the client must collect the following documents:
- completed application form;
- civil identity card (passport of the Russian Federation);
- certificate in form 2-personal income tax;
- certificates confirming additional income.
Refinancing only by passport
At the same time, if the borrower is an active client of Raiffeisenbank and receives a salary on a card or account of this company, in order to use the refinancing service, it will be enough for him to present only a questionnaire and a personal passport.
Deadline for consideration of an online application
There are two ways to apply for re-issuance of a loan from any bank on more acceptable terms:
- in person, visiting the office of the organization,
- by filling out a form on the Raiffeisenbank website.
In the latter case, it is enough to fill out a preliminary application form on the main resource, and then wait for the manager's call. Usually, a response from the bank to an application submitted via the Internet is received within one business day. In some cases, the processing of the applicant's data lasts a longer period - up to 3-5 days.
After approval of the application, you should come to the bank with a full package of documents and acts related to the loan:
- certificate of no debt,
- loan agreement,
- reporting on the procedure for making payments during the term of the agreement.
Raiffeisenbank allows its borrowers to change the currency of a mortgage loan(for example, switch from dollar to ruble). Clients can also individually contact the bank with a request to lower the rate or extend the terms of the loan, or change the loan repayment scheme.
Terms and Conditions
Raiffeisen Bank sets standard requirements for its own borrowers. The main requirement is regular income, official employment or your own business, as well as a positive credit history. The borrower must not have more than two mortgage loans (not including the newly approved one).
Requirements for borrowers:
- age from 21 years;
- any citizenship;
- permanent registration in the Russian Federation;
- at least six months of experience with a general seniority at least 1 year or at least 3 months with a total work experience of at least two years or at least 1 year if this is the first place of work for the borrower;
- the presence of a telephone;
- income from 15-20 thousand rubles.
As far as real estate is concerned, The bank accepts as collateral mainly apartments in apartment buildings . They must have a separate kitchen and bathroom from other apartments. The presence of electric, steam or gas heating systems that provide heat to the entire area is also checked. living quarters.
Housing must be provided with hot and cold water in the bathroom and in the kitchen, have a central sewerage system. The property is already pledged to the bank, so primary check compliance with the requirements has already been carried out at the stage of registration of the mortgage.
Important! It is quite realistic to lower the mortgage rate, but only if the borrower did not allow large delays on the loan.
Is it possible to refinance a loan taken from another bank?
Raiffeisenbank is ready to refinance mortgage loans taken from other banks(, Svyaz-Bank, etc.). The main thing is that the borrower does not have overdue debts, fines, and other requirements of the new lender on the date of filing the application form at Raiffeisenbank.
Terms and Conditions
Requirements for borrowers of other banks are very strict.
The bank does not know anything about their payment history, and therefore will request a certificate of debt status and statistics on loan arrears.
You will also need to re-evaluate the collateral with an independent appraiser. Requirements for the borrower:
- age from 21 years;
- good credit history;
- age limit 60-65 years;
- your telephone number for communication;
- having a permanent income;
- total experience of at least a year, and for business owners or individual entrepreneurs at least 3 years.
The collateral must be:
- located in settlements where the bank is represented or within 50 km from the Moscow ring road;
- in good condition (with normal plumbing equipment, windows and a roof (the latter for apartments on the top floors), with the exception of apartments without interior decoration in newly built buildings and apartments where renovation work is underway.
The appraiser's report must be no older than six months. It is ordered separately (on average, you will have to spend from 2 to 8 thousand rubles, depending on the area of \u200b\u200bthe property). The bank will check the age of the building in which the apartment is located, the absence of encumbrances (except for mortgages), the state of repair (based on the appraiser's report and the BTI registration certificate).
Important! Raiffeisenbank can not only refinance loans, but also combine many loans into one. This great way save for good borrowers.
Overview of programs and rates
The bank offers the opportunity to refinance fairly large amounts of loans- up to 26 million rubles. This is very good news for large borrowers who are looking for opportunities to reduce their mortgage payments.
Refinancing terms:
- rate from 9.5-11.99% per annum;
- term from 1 to 30 years;
- the maximum amount is up to 26 million rubles;
- mortgage of real estate.
When refinancing a mortgage loan secured by acquired real estate, the rate will be from 9.50% per annum, and secured by other residential real estate - 11.99% per annum. For the capital and the Moscow region credit limit is from 800 thousand rubles to 26 million rubles, or up to 85% of the cost of housing. For other regions - from 500 thousand rubles to 26 million rubles
Required documents and certificates
To obtain approval for refinancing, external borrowers will need to collect a fairly large package of documents.
You will need to provide:
- application form;
- a copy of the passport, SNILS;
- certificate of employment indicating salary;
- a copy of the work book;
- military ID (for persons under 27 years old).
Additionally you will need:
- copies of title documents for real estate;
- extended extract of the USRN;
- appraiser's report;
- BTI registration certificate;
- permission from the guardianship and guardianship authorities for the pledge of this dwelling (if applicable);
- a copy of the loan agreement, certificate of debt.
For business owners or individual entrepreneurs, they will need tax reporting, copies of a certificate of ownership or an extract from the USRN for premises used in business.
Are there any differences in the list of documents for your own and third-party clients?
For domestic borrowers, a minimum of documents is provided, since the bank already has basic information about the collateral and its solvency, combined with a credit history. For external clients, a complete set of documents is required, which are listed above. In particular, Raiffeisen Bank will definitely request a copy of the loan agreement, insurance, a certificate of debt and full information about the collateral real estate.
Rules for writing an application
An application for refinancing can be pre-filled directly on the bank's website. Later, when the manager confirms the possibility of cooperation, you will need to drive to the bank branch and fill out a paper version of the questionnaire.
The questionnaire states:
- all information about the borrower (address, phone number, etc.);
- information about work, education, family composition;
- family expenses and income for the month;
- insurance that the borrower is ready to buy;
- information about the employer on the main job and part-time job.
The questionnaire is signed personally by the borrower. When filling out, you should pay attention to the accuracy of filling in the sections with contacts, income, as well as data on loan obligations (loan balance, requested amount, monthly payment and other information).
Important! Raiffeisenbank asks to indicate in the application form full information about your loan, including the amount of payments and the time remaining until the full repayment of the loan. Additionally, the new lender will also check the credit history of each applicant for refinancing.
Procedure steps
The bank has simplified the refinancing procedure as much as possible. The application is considered quite quickly (within a week). Another three days are given to check the liquidity of the pledge. Most documents can be sent to in electronic format, that is, without visiting the bank.
Step-by-step algorithm of actions of the borrower:
- Submission of an application form and other documents for refinancing.
- Obtaining bank approval (up to 5 days).
- Mortgage debt repayment.
- Signing of loan documentation with Raiffeisenbank.
- Registration of a mortgage agreement and encumbrances in favor of a new creditor and mortgagee.
Loans are provided in non-cash form to the borrower after the signing of the loan documentation. Registration of the transaction can be organized independently or through the partners of the bank. Mortgage agreement with a note about state registration and the mortgage must be presented to the bank within 60 days from the date of the loan.
Before signing an agreement with a new creditor, it will be necessary to certify at the notary the consent of the spouse (s) to transfer the property to the mortgage and the power of attorney (if authorized persons are involved).
Differences for internal and other clients
Domestic borrowers only need to issue changes to an already issued loan agreement. For example, if the loan currency, term or rate changes, then an additional agreement or a new option is signed loan agreement. The pledgee and the insurer remain unchanged.
For external borrowers, a different refinancing procedure is provided. The new lender, after signing all the documents, repays the mortgage loan and the borrower can remove the encumbrance from the property. Later, you just need to register a new mortgage agreement. In the process, the insurer may change, or changes to the insurance contract will simply be drawn up(for example, the beneficiary and other conditions will change),
Nuances for individuals and legal entities
The bank has refinancing programs for citizens and companies. For legal entities, the refinancing period is limited to seven years, and for individuals, the possibility of repaying the loan up to 30 years is allowed.
The procedure differs even at the stage of filing documents: legal entities are required to provide tax reporting, copies of constituent documents, the guarantee of business owners.
More loyal credit conditions can be provided, for example, not fixed, but floating credit rate. As collateral for a loan, not only an apartment can be accepted, as is the case with individuals, but also commercial real estate, equipment, including personal property of individuals, combined pledge.
When can Raiffeisen refuse?
Refusal to refinance is not uncommon. Basically, they are associated with a bad credit history of borrowers, because few of them do not allow delays in paying a loan at all. Raiffeisen Bank seriously assesses the creditworthiness of the borrower, his income and expenses. If it turns out that in last years the client’s income is falling or he has lost his job, then the bank may well refuse to refinance.
The reason may also be real estate that the new lender does not want to take as collateral. The Bank does not accept rooms, shares in houses, apartments as collateral.
How to increase your chances of getting approved?
To increase the chances of getting the bank's consent to refinancing, you can provide documents confirming the receipt of additional income (from rent, rent, business) in addition to official earnings.
The attraction of co-borrowers, guarantors, confirmation of the presence of solid assets that can be sold in the future if there are difficulties with paying a mortgage (for example, several cars, liquid cottages, etc.) will also increase the bank's loyalty.
Should I opt for Raiffeisen?
On-lending at Raiffeisenbank can be a very good deal if the difference between the rates is more than two percentage points. Benefits of refinancing:
- reduction of monthly payment on the loan and overpayment;
- more convenient repayment schedule;
- remote control via Raiffeisen-Online;
- the ability to change the currency, term and other terms of credit.
Cons of refinancing:
- expenses for the removal of encumbrances, registration, real estate appraisal;
- fees for replacing the collateral (17,700 rubles (including VAT), for changing the date of the monthly payment at the initiative of the borrower (3,000 rubles);
- hassle with collecting documents to obtain bank approval;
- penalty in the amount of 0.06% of the payment amount for each day overdue.
Refinancing at Raiffeisenbank has its own pitfalls.
- The subject of the bank's pledge can only be an apartment, the ownership of which is registered.
- As a result, refinancing rates turn out to be quite high: up to 11.99% per annum in rubles.
The interest rate can be increased by as much as 3.2 percentage points if the age of the borrower or co-borrower exceeds 45 years and 1 month at the time of the positive decision to issue a loan. Traditionally, the rate can be increased in case of non-confirmation of insurance.
Raiffeisenbank offers a variety of loan refinancing programs at rates ranging from 9.5% per annum. Including the bank is ready to refinance at a lower rate mortgage borrowers and combine into one to three loans (mortgage, car loan and consumer credit) or up to four credit cards.
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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 contract mortgage insurance:
- 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 on site Russian Federation.
Minimum work experience
Employed individuals:
- At least 6 months with a total work experience of 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 financial 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 outer 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 exterior 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 claims on 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 |
Amount of credit | 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 a potential borrower can calculate the amount of a 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.
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