Which bank is better to refinance the loan. Which banks are involved in refinancing loans and how to participate in this program
Banki.ru collected the top 10 refinancing loans that can be issued in Moscow banks. Now refinancing is one of the most popular banking services.
For the borrower, it allows you to combine several loans into one and reduce the monthly financial burden, and for the bank, this good way expand your loan portfolio and attract new customers.
In addition, all banks (except " Russian Capital”), which are in the top 10, allow you to receive additional funds for personal needs.
Most often, banks allow you to refinance up to five loans (consumer loans, POS loans, car loans, credit cards). To refinance a mortgage, credit organizations usually offer individual programs, so they did not participate in the ranking.
Of the banks that made the list of leaders, only Sberbank and Rosbank are not ready to refinance POS loans, and Transcapitalbank is not ready to refinance credit cards. At the same time, the programs do not exclude the receipt of money for any purpose that the client can spend, including the repayment of "non-refinanced" products. In "Russian Capital" you can receive funds only for the repayment of non-targeted consumer credit.
- Minus 1 p.p. when drawing up an insurance contract.
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- Minus 2 p.p. when drawing up an insurance contract.
- Minus 5 p.p. when drawing up an insurance contract.
- PIf you refuse insurance, the rate does not change, but the bank may refuse to issue a loan.
- Minus 2 p.p. when drawing up an insurance contract.
Why should I refinance?
Once Vasya took out three loans:
* March 1, 2016: cash loan in the amount of 200 thousand rubles for three years at 27.63% per annum.
On October 1, 2017, Vasily decided to combine all loans into one and applied to the bank for refinancing. At that time, he had about a year to pay for each contract, and overall size debt amounted to 500 thousand rubles. The bank offered two options:
* reduce the payment by increasing the term of the loan;
* reduce the amount of the final overpayment, while maintaining the term of the loan.
How beneficial is it? See for yourself.
According to the terms of the rating, the offers are ranked by the size of the interest rate that is valid for a given period and the amount of the loan (in alphabetical order if the rate is the same). For reference, the table shows maximum amount credit, while interest rate operating at the maximum amount may differ. If the bank sets a percentage range within which the rates are determined individually or vary depending on the parameters that are not taken into account by the rating conditions, then the maximum rate of the range was taken for comparison. Programs, the terms of which provide for any fees/commissions (for example, for lowering the rate), as well as products for which the maximum rate is not disclosed by the bank, did not participate in the selection.
When calculating the interest rate, discounts for the presence of a positive credit history in "their" bank, as well as benefits for state employees, payroll, corporate clients and bank depositors. If within the program it is possible to obtain a loan, both with and without insurance, then the base rate was taken to be the rate that is valid when the service is refused. For reference, the table shows the amounts of "discounts" that are relevant subject to the conclusion of an insurance contract.
The review was compiled according to official websites and call centers of banks as of September 28, 2017.
Anastasia BELIK, department of analysis of banking services of the information portal Banki.ru
Infographics: Banki.ru
In difficult financial situations, in the presence of debt to financial institutions, a person tries to find a way out of the current situation. Salvation can be a service for refinancing loans in other banks, the best and most profitable offers of 2019 for which are collected on this page. Each of the presented banking products has its own advantages and disadvantages. You should decide on priorities and choose the most suitable on-lending.
Refinancing is taking out a new loan to pay off old debts in other financial institutions that the client is unable to cope with. In Russia, there are not so many offers from banks for “on-lending”, but there are enough of them to choose the best. A back-breaking loan can be consumer, mortgage or any other. Refinancing conditions may differ in interest rate and term, but repay the debt in any other bank.
The on-lending offer allows the client to:
Loan refinancing calculator
We invite you to pay on our online calculator refinancing loans. It allows you to compare the parameters of your current debt with the conditions after refinancing. It can be calculated with a decrease in the amount of the monthly payment or the total term of the contract.
The process of registration is no different from a conventional consumer or mortgage loan. In addition to a passport, a certificate of income is required. Some banks may require additional information or the presence of guarantors. It is also mandatory to check the credit history, the results of which make a decision: they can refuse to refinance, the offer can be changed or confirmed in the initial conditions.
In 2019, the interest on refinancing is increasing in line with the increase key rate the Central Bank of the Russian Federation, which directly affects the terms of lending by banks. In the future it is possible further growth, therefore, if you have not yet issued an on-lending of existing loans, we recommend that you do this as soon as possible with relatively favorable conditions.
The lowest percentage from the bank Opening
Bank FC Otkritie can offer its customers the best offer on the market with the lowest interest rate. But it is not fixed, that is, it can vary depending on the capabilities of the borrower. The conditions stipulate personal insurance, upon refusal of which the interest increases by 7% with a refinancing amount of up to 300,000 ₽ and by 3% with a larger one.
- Interest rate - from 8.9% per annum.
To apply for refinancing a consumer loan (or other types of debt), you will need to confirm income. When requesting less than 100,000 ₽, this can be done without a certificate of income. providing only a passport and title. An application for on-lending is considered up to 2 working days, and the funds are transferred to a card or account.
Offer from Raiffeisenbank
Raiffeisenbank's offer is considered one of the most profitable due to the low fixed interest rate. Registration takes place online and by phone. The answer on the application for refinancing is given within 1 hour. You can find the main terms and conditions of consumer on-lending below:
- Fixed interest rate - 10.99% per annum.
- Loan terms - from 12 to 60 months.
- The maximum loan amount is 2,000,000 rubles.
To receive such a profitable offer, refinancing of other loans is available only on condition of life insurance and disability of an individual. In case of refusal, the percentage rises by 4-5%. Insurance is not so expensive, and the benefits of it are huge. We recommend that you consider this option.
Refinancing from Tinkoff Bank
Among all similar offers from Tinkoff for refinancing consumer loans other banks is one of the best and most profitable. Its essence lies in the design and connection of the service. Money from the credit limit is transferred to the account of another bank, and the client repays the debt to Tinkoff without paying interest on the loan for 4 months. This is a very good offer. The client is almost guaranteed to get a card. The only drawback is that there is no guarantee of obtaining the maximum credit limit. But worth a try, we recommend!
- Interest rate - from 12.0% per annum.
- The maximum loan amount is 300,000 ₽.
- Grace period without paying interest 120 days;
- You can use the “balance transfer” service no more than once a year.
The requirements for the borrower to obtain a card are minimal (the bank issues a card even with a bad credit history). But for a proposal credit limit affects the customer's rating. For registration of the documents you need only a passport. Issuing a credit card is free, and the annual service will cost 590 rubles.
Refinancing a loan at VTB
In 2019, VTB offers favorable lending conditions: low fixed interest rate a long period and a large amount of a consumer loan. But to receive such a percentage, you will need to take out insurance. Without purchasing insurance, the rate becomes floating in the range of 12.5-16.9%. You can combine up to 6 debts into one. After filling out the application form, you can see the VTB loan refinancing calculator, which clearly shows the bank's tariff and the client's benefit.
- Fixed interest rate — 10.90% per annum.
- Loan terms - from 6 to 60 months.
- The maximum loan amount is 5,000,000 rubles.
If an individual is not served by VTB, then in addition to a passport, he will need to provide SNILS and a certificate of income. For all loans in other banks, full documentation will be required. Agreements concluded with VTB Group are not subject to refinancing. Retirees and civil servants are offered preferential terms.
Refinancing a loan at Sberbank for individuals
Sberbank is the largest in Russia and offers individuals a wide range of banking services. He was one of the first in the country to offer his clients on-lending to consumer debt in other banks. The advantageous offer is made by a fixed interest rate and no need for insurance.
- Fixed interest - 12.5% per annum with an amount of 500,000 ₽, 13.9% with less.
- Loan terms - from 3 months to 7 years.
- The maximum loan amount is 3,000,000 rubles.
The offer does not include collateral and search for guarantors. The list of required documents from an individual does not require extracts from loan agreements. You can combine up to 5 debts and get additional funds for misuse.
Offer from Home Credit Bank
Home Credit Bank is also engaged in refinancing consumer debt. His offer may not be as profitable as compared to others, but it has its own characteristics - no need to confirm income and insurance. These conditions can be key to choosing an on-lending program.
- Interest rate - from 10.9% per annum.
- Loan terms - from 1 year to 7 years.
- The maximum amount is 1,000,000 ₽.
Of the mandatory requirements for the client, it is worth noting only registration in the region where the loan is granted. An application for refinancing is submitted online on the official website of the bank, and it takes up to 2 hours for its consideration. If approved, you will need to visit the office to complete all the documents. Funds are transferred directly to an account in another credit institution.
Refinancing at Alfa-Bank
In Alfa-Bank, refinancing of loans from other banks best interest rate but only for owners salary cards. For everyone else, the offer is also quite interesting and will almost certainly be more profitable than the current ones. For getting Money in 2019 must be completed online application, wait for confirmation and transfer to the account of another bank. Additional funds may be available.
- Interest on on-lending - from 11.99% per annum.
- Loan term - up to 5 years.
Requirements for an individual are standard - citizenship of the Russian Federation, permanent place of registration, work experience. For registration, you will need the entire set of documents, including a certificate of income. Alfa-Bank carefully checks the credit history.
Refinancing a loan at Rosselkhozbank
Refinancing in Rosselkhozbank of loans from other banks applies only to consumer loan agreements. Also for payroll card holders, “reliable” clients and employees budget organizations a better offer. Loan security is required if it was provided for in the old contract.
- Interest rate - from 10.0% per annum.
- Loan term - up to 5 years.
- The maximum amount is 3,000,000 ₽.
The bank's requirements for the age of an individual are from 23 to 65 years, citizenship and registration of the Russian Federation, work experience at the current place for at least 6 months. Rosselkhozbank takes into account all the income of an individual (at the main workplace and others) and, based on these data, formulates a proposal for refinancing. Required documents standard: passport, income statement, military ID, pension certificate for pensioners.
Refinancing offer from Rosbank
Refinancing consumer loans in Rosbank from other banks does not differ in anything special from similar offers on financial market. Also eats preferential terms for some categories. individuals. In the rating of people's trust, Rosbank is below the middle in 2019, so it will fight for each client, I suggest best services. But rude defaulters should not hope for a loan, the bank carefully checks the credit history. The essence of the proposal of Rosbank is:
- Interest rate - from 12.5% per annum.
- Loan term - up to 5 years.
- The maximum amount is 3,000,000 ₽.
Many banks are ready to refinance consumer loans to individuals. Check out all the offers and choose the best and most profitable for you. Carefully read the terms of the contract, and also pay attention to the additional services offered.
Do not know which banks do loan refinancing for an individual? How to highlight the best offers of 2019 from all the variety? After reading this review, you will find out: in which bank it is profitable to apply for refinancing consumer loans from other banks! List compiled independent expert on banking products and part-time author of a financial blog! Therefore, it will be interesting!
Due to the gradual decrease in interest rates on loans, for many borrowers there is an acute issue of refinancing their loans, which were taken in previous years. Most often, refinancing a loan at another bank is due to 2 main reasons: either a high interest rate was taken on a valid loan, or now the borrower has changed financial position and it became much more difficult to pay under the loan agreement. In this case, it will be beneficial to refinance your loan obligations and save on interest and monthly payments. In this article, I will tell you where it is best to refinance loans from other banks and what conditions are most beneficial for individuals in 2019.
Why refinance loans from other banks?
To begin with, let's decide how a new loan can help us to pay off old loan obligations in other banks. What are the advantages of refinancing programs for us, individuals:
- Reducing the interest rate on loans. As I said above, if you took out a loan on conditions that are not very favorable for yourself, then refinancing is a way to correct your mistake and save on interest. But there is a nuance here. The fact is that most banks issue loans under a system of differentiated payments. What does it mean? This means that, at the beginning of the loan repayment, for example, in the first 3-6 months, the main share of interest is paid. And then the main debt is already paid. Therefore, I recommend that if you do refinancing in order to lower the rate, then it is better to do it as early as possible. When there are several months left before the end of the loan term, there is no point in refinancing in order to save on interest. But if you need extra cash, then refinancing is fine.
- reduce monthly payment on credit. Anyone can get into a situation where the financial situation changes dramatically. And of course, this affects your ability to pay your credit obligations. In order to avoid delays and in order to make it more comfortable to pay your loan, you can use the services of banks for on-lending. In a new loan, you simply increase the term, and the payment becomes smaller. But here do not forget about the other side of the coin - overpayment.
- Consolidation of several loans into one. Most borrowers in Russia have two or more loans. Moreover, loans are usually different banks. This is not very convenient, because you have to pay 2 or more times a month. And this takes our time, which can be usefully spent in other ways. In such cases, people are also considering refinancing to combine all loans and pay only one.
- Release loan collateral. In this case, a car loan secured by a car or a mortgage can be refinanced with an unsecured loan, and thereby free the collateral from loan obligations. This is very convenient when you need to sell your car or apartment, which are pledged to a credit institution.
TOP-7 banks for refinancing loans to individuals
After analyzing a lot of offers for individuals by well-known banks in the country, I came up with a list of 7 best banks offering the most favorable conditions for refinancing, on-lending and consolidating consumer loans, including credit cards, mortgages and microloans. Anyone who wants to apply for refinancing, I strongly recommend that you first familiarize yourself with this rating, compare and choose suitable conditions for yourself and, without delay, leave an online application via the Internet.
The best offer of 2019 — refinancing at Alfa-Bank
In 2019, the refinancing program from Alfa-Bank is very popular. This credit organization is developing at a very fast pace and seeks to attract as many customers as possible, offering very favorable conditions. And of course, this is good news, because the interest rate here is considered one of the lowest, and the process of obtaining a loan is fast!
Consider the terms of lending from Alfa-Bank
- Low interest rate on the loan from 11.99%. Calculated individually.
- Term from 1 to 5 years. For payroll clients maximum period of 7 years.
- The loan amount is from 50 thousand to 4 million rubles.
- Security is not required (no collateral, no guarantors).
- Do not lend to IP owners.
- Refinancing is possible for all types of credit products, including microloans from MFIs, car loans and mortgages.
- A single application for refinancing and additional money (if necessary).
- Decision on the application online in 15 minutes!
Refinancing of consumer loans in Moscow from Interprombank
Looking for where to refinance your loans in Moscow and the Moscow region? The program for refinancing loans in third-party banks from Moscow Interprombank is considered one of the most interesting for residents of Moscow and the region. Only residents of the capital and the Moscow region aged 18 to 75 can leave an application here. Thus, even pensioners up to 75 years old can refinance a loan here.
Conditions for refinancing loans at Interprombank
- Loan rate from 11% (minus 1% after the completion of refinancing)
- The term of the new contract is from 6 to 72 months.
- The loan amount is not less than 45 thousand rubles and not more than 1.1 million rubles.
- Registration and residence must be in Moscow or the Moscow region.
- Having issued a loan under the refinancing program at Interprombank, you can combine all your loans and pay only one monthly payment. In addition, if your credit history allows, then you will be offered additional money for any purpose.
Favorable refinancing without certificates and without interest for 120 days
Tinkoff Bank now has unique conditions that no bank in Russia offers. the peculiarity of the conditions is that if you draw up a card in Tinkoff and the necessary limit is approved for you, then you can pay off the debt in another bank (credit, microloan or credit card) completely free of charge with this money. And the main advantage is that the transferred amount of debt from another bank will not accrue interest on your Tinkoff credit card for 120 days (4 full months)! This great way refinance their consumer loans in third-party banks. If you have mortgage then use another offer - Tinkoff Mortgage .
To take advantage of the favorable conditions of "Refinancing without interest for 120 days" you need to:
- to a Tinkoff credit card and get a decision within 5 minutes.
- If the card is approved, a bank specialist will deliver it to a place convenient for you.
- When activating the card by phone, say that you want to transfer the debt from another bank.
- It will be necessary to provide the Tinkoff operator with the details for transferring money to another bank.
- Within 1-2 business days, the bank will transfer money from your credit Tinkoff cards to pay off a debt in another bank. And you will receive a 4-month interest-free period on this amount of debt.
In the event that they are denied bank Tinkoff on a credit card or did not arrange a limit, Alfa-Bank has a similar product. There, too, you can get a credit card, pay off the debt with this card in another bank and not pay interest on the Alfa-Bank card for 100 days. That is, a kind of percentage vacation on the card. This is a great way to refinance a small loan or microloan at another bank. .
Refinancing loan from UBRIR according to passport and income statement
The Ural Bank for Reconstruction and Development offers quite favorable conditions for on-lending to individual borrowers. By leaving an application for refinancing in this bank, you can reduce the amount of payments, reduce the interest rate, reduce the number of loans and credit cards, and also receive additional funds if necessary. For registration, you need only 2 documents - a passport and a certificate of income. Moreover, you can apply employees companies and individual entrepreneurs(IP).
Conditions of the offer in UBRIR
- The loan rate is 15-19%, with the possibility of reduction in 2 months to 13-15% per annum.
- Term from 24 to 84 months.
- Amount up to 1 million rubles.
- The age of the borrower is 21-75 years.
- The application is considered as soon as possible - 1 day.
Refinancing loans from other banks without collateral and guarantors at Rosbank
Another bank that refinances consumer loans to individuals is ROSBANK. A credit organization makes it possible to repay existing loan obligations in another bank with a new loan, which will allow you to reduce the rate, payment, release collateral in another bank, combine several loans into one, or receive additional money for any other purpose.
If you look at the refinancing conditions that Rosbank offers to individuals, they are one of the most profitable:
- Low interest rate — from 13.5%.
- Large amount up to 3 million rubles.
- The maximum term is 60 months for new clients, 84 months for salaries.
Fixed rate offer for individuals from Uralsib Bank
Uralsib Bank today offers to refinance all your loans in other banks and combine them into one loan under favorable interest lending. Unlike many other banks, Uralsib immediately declares a fixed rate at which it can approve a loan for you. This rate currently stands at 11.4 percent per annum, which is one of the lowest rates for refinancing.
Briefly about profitable refinancing of loans from Uralsib
- The interest rate on the loan is fixed at 11.4% per annum.
- Term from 13 to 84 months.
- Amount up to 2 million rubles.
- The ability to repay loans in other banks, as well as receive additional funds for any purpose.
- The age of the borrower for registration must be at least 23 years.
- If you need an amount for refinancing up to 250 thousand rubles, then you will need only 2 documents: a passport + a second document (driver's, SNILS, TIN, passport, and so on). If more than 250 tr, then an additional document confirming income is required - 2-personal income tax.
Favorable conditions for refinancing from Raiffeisenbank
For clients aged 23 to 67, Raiffeisenbank offers to combine up to 5 existing loan agreements with other banks (mortgage, car loan, credit card or cash consumer loan).
On the bank's page, you can find out detailed conditions, calculate the feasibility of combining loans using a calculator and send an application. And in a few minutes you will receive an online solution.
Terms of the offer at Raiffeisenbank
- Favorable rate of 10.99% from the second year, 11.9% in the first year.
- If within 90 days you do not close the loans for which you refinanced at Raiffeisenbank, then the interest rate may be increased by 8 percent.
- Combine up to 5 different loans.
- Minimum amount- 90 thousand, maximum - 2 million rubles.
- From the documents you will need a passport and a 2-NDFL certificate for the last 3 months. If the amount is up to 300,000 rubles. — just a passport!
- Individual entrepreneurs are not credited.
Where and how to refinance a loan if they refuse
Very often, it is those who today are experiencing problems in paying current debt obligations who want to refinance their loan. That is, a person is already overdue on a loan and he is trying to find where to refinance it. This is a fairly common situation and therefore it is necessary to clearly understand how to get out of this situation. As a person who has worked in the credit department of a bank for 10 years, I can say what needs to be done:
- To begin with, you must understand that with a delay on the current loan of up to 30 days, there are still good chances to get a positive decision on special programs refinancing listed above. If, however, the delay is much more than 1 month, then the chances of refinancing your loans are significantly less. But in any case, to get out of this situation, you need to act. Therefore, in any case, try to leave online applications from the above rating of banks.
- If all banks refuse or approve an insufficient limit on the refinancing program, then you need to try to get a cash loan in the banks listed below. There you can either get a loan without income certificates, or vice versa secured by real estate or title.
- If a regular cash loan is also refused, then the only way is to apply for a loan by your next of kin (husband/wife, brother/sister), which will help close your delays with the money received. And you will already give money to him.
Below are 8 profitable banks that provide cash loans for any purpose, including refinancing loans from other banks. To obtain this type of loan for refinancing, you do not need to collect certificates of loans from other banks.
- Housing Finance Bank- for those to whom banks refuse to refinance. In a credit institution, you can get a loan for refinancing without refusal on the security of an apartment! Great refinancing option for those with bad credit!
- — a consumer cash loan at a favorable interest rate for those who want to refinance loans in other banks. If you are a state employee, then feel free to send an application to this bank. The Bank is loyal to this category of borrowers!
- - if delays do not allow you to urgently refinance the loan, then the way out of the situation will be to issue a loan to another person, for example, to parents or grandparents. Favorable conditions for pensioners are offered just by UBRIR bank.
Watch the training video: "What is refinancing and how to do it right?".
In an era of great competition between banks, profitable loan products are constantly emerging. Especially if the loan is large and long-term, then the client is upset that he took a loan at an inconvenient interest.
But there is a way out - this is refinancing. TO What banks are engaged in and what are the benefits we will consider in this material.
Due to the unstable financial situation It can be difficult for a person to repay a loan. Or the client sees that there are new profitable offers, for example, for housing loans, than the loan that he took before.
If the borrower has several loans in different banks and it is uncomfortable for him to pay in different places. In order to meet the needs of the client or to help bear the financial burden, a product was created - loan refinancing.
The purpose of this program is to help people:
- This program will help close an expensive loan that is inconvenient due to high interest, short term, large monthly payment. In such a situation, the bank offers a loan for the amount of the loan taken from another bank, but on favorable terms ( low interest, long term, lower payment).
- Combine loans from different banks into one with a better interest rate. In this situation, the bank closes the client's debts on accounts in other organizations, and opens a credit account in its own. The client benefits from the fact that it has become more convenient to pay in one place and the loan is cheaper due to the lower interest rate.
- With the help of on-lending, you can not only close an expensive loan or combine several into one, but also receive an additional amount for personal expenses.
- With the help of on-lending, you can change the currency in which the loan was taken, which is very important in an unstable economy.
So, we can conclude that refinancing is an offer from the bank to close existing debts on more favorable terms.
An existing loan can be in any form: credit card, consumer loan, mortgage, car loan. The offer of a financial institution gives the borrower the opportunity to reduce the cost of servicing the loan, and the bank acquires a new client in the person of this borrower.
Most loans on the market are issued at an interest rate of 20-30%, you can meet even higher. When refinancing annual rate can be reduced to 10-20%, this is beneficial if the client has not yet closed a large amount debt. Since the main repayment of interest goes to the first payments according to the schedule.
Why is it beneficial for the bank? For a financial organization, first of all, a conscientious client is important, who honestly pays his bills. The probability that a borrower who has already paid a loan on uncomfortable terms and will continue to pay the same loan, but already on convenient terms, in another bank is much higher than just new client who came for a loan.
Which banks refinance loans - a complete list and conditions
In Russia, not all banks offer such a profitable service as refinancing an existing loan from another organization. Before placing an application, you need to compare all the offers on the market.
LokoBank - offers to reissue a loan in the amount of up to 5,000,000 rubles, at an interest rate of 10.4%. The term of this loan will be up to 7 years, and guarantors will not be required.
The decision will be made from several hours to 3 days. After a positive decision, the applicant has the right to think up to 30 days whether to agree to the terms of the loan or not.
In order to apply for refinancing, it is enough to fill out the borrower application form on the official website.
After signing the contract, the entire amount is issued at a time. This organization is just beginning to develop in the market of credit products, so the offer is quite profitable. It should be noted that the rate starts from 10.4%, which means that the final decision may have a different figure.
- the unique offer of the product lies in the fact that the interest rate of 11.99% -14.99% per annum, from the second year is reduced to 9.99% interest on the balance of the debt.
You can combine up to 5 loans in one or different banks into one loan. At the same time, it can be up to three large loans:
- Mortgage credit lending.
- Consumer loan.
- Car loan.
Or up to four credit cards at the same time. But in comparison with the previous bank, it is inferior in terms of the maximum amount of the loan. It cannot be more than 2 million rubles, while the minimum amount is 90 thousand.
The number of months of using the loan cannot exceed 60 months, and the minimum is 13.
Plus, the bank provides an opportunity to receive free money for personal expenses.
In addition to all the pluses, in the event that after 3 months, after receiving a loan by a client, the credit bureau does not provide information that the borrower's loans are closed, the bank increases the annual interest rate on the balance of the debt by 8 points.
The same happens if the borrower fails to provide a certificate of full repayment of the loan for which he received financial support. For a payment not paid on time, Raiffeisen assigns a penny in the amount of 0.1% of the amount of delay for each day of the missed payment.
Requirements for the applicant:
- Citizen of the Russian Federation from 23 (from 21 is suitable for participants salary projects bank) up to 65 years at the time of closing the debt.
- Availability mobile number and fixed working phone numbers.
- The main requirement is that the applicant must not be an individual entrepreneur.
Required package of documents:
- Completed application form.
- Passport of the Russian Federation.
- Certificate of income in the form: 2-NDFL, 3-NDFL or in the form of a bank for a period of 3 months.
- Documents confirming employment: a copy of the labor (or contract for the military), certified and with a record that the employee is currently registered, a license to operate or a lawyer's certificate.
- Documents confirming additional income(if any): a certificate in the form of a bank or 2-personal income tax, a certificate of property and a copy of the lease agreement, a certificate of the amount of the pension from the Pension Fund of the Russian Federation.
For clients receiving a salary on a Raiffeisen card, only a questionnaire and a Russian passport are enough. The decision is made from one hour. An application for consideration can be left on the bank's website.
You can also come to the branch or order a home visit by a loan officer.
Zenith Bank - offers to reduce the interest rate to 12.5%, while it is ready to reissue up to 5 loans from third-party organizations. The amount is up to 3 million rubles, and the term is up to 7 years. The bank also allows the applicant to receive money for personal expenses.
From the documents you need:
- applicant's profile;
- Russian passport with permanent registration;
- certificate confirming income;
- additional document (SNILS, TIN, passport of a citizen of the Russian Federation, driver's license);
- a copy of the work book / contract, all completed pages.
The application is considered by the bank no more than 2 days. The questionnaire is filled out on the website, then the applicant needs to call the bank itself at 8-800-50-59-733. If the decision is positive, the client needs to drive to the nearest Zenith office and sign the contract.
Tinkoff credit systems - reissue loans to Tinkoff under the programs - "Balance Transfer" and "Balance Transfer". Everything happens by transferring funds from an account belonging to a bank credit card.
A distinctive feature of this offer is that in addition to lowering the interest rate, the client also receives 4 months grace period on the card, keeping within which you can pay off the debt without overpayments.
The advantage of the card is that after closing the debt, the money can be spent again on purchases, services or other needs. Also, the advantage of the fact that this is a card, and not a regular loan, is cashback. That is, from each purchase on the card, the client is returned 1% of the amount.
The main disadvantage of on-lending is that the maximum amount is 300 thousand rubles, and the interest rate is from 8% per annum.
You can pay by card in payments convenient for the client, but they should not be less than the established minimum amount. It is formed from the total approved limit, and is no more than 8% of the total debt, but not less than 600 rubles.
Any citizen can apply for a card Russian Federation with a permanent residence permit from 18 to 60 years. Of the documents for issuing a card, only a passport is needed, and an application can be left on the official website.
VTB (VTB, VTB 24 and the Bank of Moscow have merged into one bank since 2018) - the VTB group of companies proposes to transfer all existing loans to them at a rate of 12.5% per annum. The minimum amount that can be received is 100 thousand rubles, the maximum is 5 million rubles.
The term of payments will be 5 years, for corporate and payroll clients up to 7 years are allowed. It is allowed to combine up to 6 different loans and credit cards, as well as receive an additional amount in excess of the existing debt.
Guarantors and loan collateral are not required, funds are transferred to accounts in other organizations - no commission.
Credit terms:
- The applicant is a citizen of the Russian Federation with a permanent residence permit in the region where the bank branch is located (the list of regions can be viewed on the official website).
- A package of documents: a passport, SNILS, an agreement for a loan that the applicant is going to refinance, the original certificate in the form of a bank, 2-personal income tax or in free form for the last six months (for payroll clients, proof of income is not required).
VTB also puts forward requirements for loans that the client wants to re-register in this bank:
- Remaining loan payments for at least 3 months.
- The loan was taken from a third-party organization, and not from the banks of the BTB Group.
- Loan in rubles.
- Over the past six months, the debt has been repaid regularly and at the moment there are no delays.
You can re-register loans for movable and real estate, consumer loans and credit cards.
In order to apply for funds, you need to go to the official website of VTB, fill out an application form and wait for a response via SMS.
The money is credited to the accounts of previously issued loans and to the hands if the client left a request for an additional amount.
Sberbank of Russia - offers to reissue loans with a fixed rate of 13.5%. A nice bonus is that they do not require the client to provide confirmation that the borrower has closed the loans.
The maximum possible amount is 3 million rubles, up to 5 years and up to 30 if it is a mortgage restructuring. You can combine up to 5 loans from different financial institutions and make a payment only once a month and in one place. Given the large number of branches and ATMs of Sberbank, this is very convenient!
As with many other banks, you can take an additional amount for personal expenses.
In order to renew loans, the following conditions must be met:
- Timely repayment of debt for the entire loan term (if the loan was issued more than a year ago, then within the last 12 months).
- Lack of restructuring on the refinanced loan for the entire period of its validity.
- Loan third party bank must be issued only in rubles.
- Requirements for the validity period of refinanced loans: loans from Sberbank - at least 6 months from the date of conclusion of the loan agreement, loans from a third-party bank - without restrictions.
The client applying must be over 21 years of age and at the time of repayment of the debt must not be more than 75 years old. It is also a prerequisite permanent residence permit on the territory of the Russian Federation. The total length of service is at least 12 months, and at the current position, the length of service must be at least six months.
From the documents the applicant will need: passport, certificate of income, loan agreements requiring restructuring. Sberbank may additionally request a certificate of no delinquency on existing loans.
When choosing the best offer, the borrower can pay attention to different indicators. If the goal is to close a large amount, then VTB and LokoBank are suitable here. If the client is looking for a low interest rate, then Tinkoff, LokoBank and Raiffeisen Bank win here. Tinkoff also benefits from the fact that after the transfer of funds to pay off the debt, there is still a grace period for 4 months.
Refinancing loans to pensioners
From the above proposals, pensioners can get the restructuring of existing loans in Sberbank, VTB and Raiffeisen. For pensioners receiving a pension on a Sberbank card, when applying for refinancing in this bank, the applicant receives bonus conditions at the minimum interest rate.
There are also additional offers suitable for pensioners.
Alfa-Bank - lends to the population up to 75 years. The maximum amount that can be issued is 3 million rubles. The term starts at 24 months and ends at 7 years. Moreover, if the client expects to repay the loan for no more than 5 years, then the maximum amount that can be issued is 5 million rubles. An interest rate of 11.99% per annum is charged on the balance of the debt.
Rosselkhozbank - issues funds up to 3 million rubles at 3% on the balance. At the same time, up to 3 loans from other organizations can enter there, and half of the amount can be taken in cash and spent on personal needs.
The unique offer is that you can choose the date of payment, but there are a limited number of them (every 5th, 10th, 15th, 20th day of the month) and, unlike many offers, you can choose a monthly payment system: annuity or differentiated.
Loan term up to 5 years. You will need a passport and proof of income.
In which bank is it possible to refinance if there is a delay on the loan
If the client delays the payment of the debt, then the delay begins on the day following the date of the write-off. For such violations, pennies are assigned and paid for each day of the current delay.
All payment histories are transferred by the bank to the credit bureaus, and from there other banks take information when deciding whether to approve the loan.
From which it can be concluded that the presence of delays affects the receipt financial assistance jar.
So is it possible to reissue a loan in the presence of delays. First you need to figure out which delays will not count:
- To restructure a loan, the bank evaluates the last 6-12 months of payment, if the delay was earlier, then it most likely will not be taken into account.
- Closed delays of less than 15 days will not affect the decision.
That is, problems during restructuring arise only with open loans. The thing is that the decision in this case is influenced by several factors:
- If the borrower pays badly now, then most likely it will be bad to pay later.
- The difficulty of accurately calculating the balance of the debt due to the accrued pennies.
- Possibility of litigation due to long delay.
What should a client do if he has an open debt and wants to deal with it?
First, he needs to contact the bank in which he has an open debt. Perhaps the organization has offers to reissue a loan with them. Change the date of the payment, reduce its size, or other proposals so that the client corrects the current situation.
If the decision to change the bank is made, the bank will agree to on-lending in the following cases:
- The client combines several loans and only one of them is open delinquent.
- Open delay of at least 30 calendar days.
- If the applicant receives a salary to the account in the bank to which he applies.
When applying for a loan to a client with an open delay, the borrower must be prepared for the fact that the interest rate on the loan will be higher than the average for all proposals.
List of banks ready to accept a borrower with a missed payment:
- Rosselkhozbank may make a positive decision for customers with small delays (no more than 30 days).
- Binbank, on terms of delay of no more than 30 days and an extended package of documents, can issue refinancing with an interest rate above 20% per annum, on the account balance.
- Citibank, under the terms of life and health insurance, and also possibly with a loan, will meet the needs of the client.
Even if in these organizations the client is refused, then he has a way out to correct his credit history - MFIs, there is a very high percentage, a short period and an amount of no more than 1 million rubles. But, nevertheless, the MFI also provides CI to the credit bureaus and thus, having paid a microloan, you can improve your payment history and get a loan from the bank.
Choosing the best loan refinancing offer in the following video:
Aug 30, 2018 Benefit Help
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Which banks are engaged in refinancing loans? Is it possible to refinance mortgages, consumer and card loans, overdue loans? Previously, financial institutions were not engaged in this type of activity, but in the conditions of the current crisis, this unspoken rule is increasingly violated, banks offer various refinancing programs, facilitating payments to customers, minimizing the risks of non-repayment.
Refinancing is targeted lending, in which the funds received in a strictly defined amount are used to repay an existing loan in another bank (or in the same financial institution). As a result, the client gets the opportunity to facilitate repayment, reduce monthly payments and interest, and the bank acquires a new client. In which bank is it better to refinance a loan this year? It will not be possible to give an unambiguous answer, everyone has different programs, they are aimed at conditions that differ from each other. For example, if you need to refinance several consumer loans, including card ones, you need to choose a bank that allows you to combine such loans into one, and then repay the issued amount in one payment.
Consumer and auto loans
Which banks do refinancing of consumer credit and car loans? The list is quite large, but best programs offered by the following financial institutions:
- Rosselkhozbank (for 10 thousand-1 million at 21% and up to 5 years);
- Tinkoff (up to 750 thousand, 18% rate, term - 5-60 months);
- Opening (rate 19%, funds in the amount of 30 thousand-500 thousand are issued, the maximum duration of the contract is 3 years);
- Sberbank (you can get up to a million at a rate of 17-25.5%, the contract is concluded for up to 5 years) ( how to refinance a loan at Sberbank?)
Which banks refinance loans for the purchase of cars or consumer goods, including card loans, if the amount of debt reaches a million rubles? In this case, two banks can be distinguished that offer favorable conditions and interest rates: VTB 24 and Rosbank. However, the solution of the issue depends on the type of existing loan, the balance of the amount, the presence or absence of delays.
- Rosbank works with consumer and car loans, offering refinancing up to 1 million at 16-18.5%, the contract is concluded for up to 60 months.
- VTB 24 is also engaged in on-lending consumer loans on the following terms: the issued amount is 30 thousand-1 million at 16-17.5, the contract is concluded for 60 months-50 years.
Attention: The specified conditions are basic, the exact rates, the amount of funds, the time of the contract depend on the balance of the debt, the value of the collateral, the age of the borrower and the level of his income! After providing a package of required documentation (each financial institution sets it up independently), an offer is made to the client if the decision to refinance was positive (on-lending is allowed).
Mortgage refinancing
On-lending mortgage agreements Not all banks are involved, since such loans are associated high risks for the financial institution itself. Among best offers the following should be noted:
- Rosbank offers refinancing in the amount of 1.5 million-15 million, the interest rate is 12.75-19%. The contract is concluded for a period of six months to 60 months;
- VTB 24 prefers on-lending internal, that is, its own, mortgage agreements, but there are also external programs: in the amount of 500 thousand to 75 million at 15-17%, terms 60 months-50 years, conditions are offered individually after reviewing the submitted documentation ;
- Alfa Bank is also engaged in mortgage refinancing, offering amounts up to 60 million at 17.6%, the maximum possible term is 25 years.
What to do if there is an overdue loan?
Previously, refinancing in the presence of a bad credit history was not carried out at all. But now, due to the large volume of defaults, some banks have begun to offer refinancing programs for just such loans - with a delay. What is the benefit of the bank? It's simple - it allows the client to reduce the load on monthly payments and reduces their own risks of loan default. Such a service may not necessarily be provided by the bank where the loan was issued earlier, some companies work with loans from other institutions.
How to get a refinance and what are the chances of it? Depending on the chosen bank, the following conditions are imposed on the client:
- minimal violations (the delay should not be large);
- availability of collateral with adequate value;
- guarantor or co-borrower.
The choice of a bank should be made on the basis of the size of the future monthly payment and the amount of the overpayment, the date of final repayment. Which banks do refinancing loans with arrears? The list includes:
- SB (Sberbank of Russia);
- Rosbank;
- Gazprombank;
- BM (Bank of Moscow);
- Alfa Bank;
- Opening;
- VTB 24;
- Raiffeisen;
- Home Credit;
- Russian Standard and some others.
The conditions of each of them are different, they are aimed at satisfying different situations. For example, the SB offers the option of refinancing external loans with a rate of 17-20% and the possibility of receiving funds in the amount of 15,000-1,000,000 (depending on the balance of the debt).
VTB 24 prefers to refinance its own loans, but on favorable terms with a rate of 15-17%. He can refinance third-party obligations, but is extremely reluctant, but it all depends on the availability of collateral and the balance of the debt.
When applying for refinancing at any financial institution, a client will need a number of documents:
- passport to confirm identity and place of registration;
- confirmation of income (form 2-NDFL);
- a certified copy of the employment contract / work book.
The full list depends on the bank, some require proof of ownership, the conclusion of a surety agreement or co-loan. It must also be remembered that the funds are not issued to the client in cash, they immediately go to the lender's account for the full repayment of the loan. From this moment, new conditions come into effect, which the client has undertaken to comply with.