Surgutneftegazbank loan refinancing. Conditions for refinancing a mortgage in Surgutneftegazbank
Surgutneftegazbank provides an opportunity to refinance mortgage loans for clients of other banks.
In some cases, you can restructure the mortgage in your bank, for example, if a good borrower began to experience difficulties in repaying the loan.
Requirements
Only loans of up to 8 million rubles are refinanced. Borrowers who apply must have a permanent job or a break-even business. But the main thing is that there should be a minimum of overdue payments for an already arranged mortgage loan. At the time of registration of the application, they should not be at all (otherwise the bank will simply refuse to re-lend).
Borrower requirements:
Requirements to mortgaged real estate:
- more than 40 years should not pass from the year of construction;
- location in the area where the bank's divisions are located;
- an object shared construction and the developer are included in the bank's list of accredited developers.
Not all refinancing applications are satisfied. Only very good borrowers, whom Surgutneftegazbank is interested in including in its customer base, have the opportunity to reduce loan payments through on-lending at a lower rate.
Loans for which there has already been restructuring or refinancing are not repaid. Traditionally, this program is not used for the mortgage where maternity (family) capital was used for early partial repayment.
Important! The refinancing programs provide for rather strict selection conditions. However, if the borrower's application is approved, he has a very decent chance to reduce the burden on his budget by reducing loan payments.
The proposed program
The Alternative Real Estate program is offered at a rate of 9.5% per annum for up to 30 years. This rate may be supplemented by 1-5% in case of cancellation of life insurance, as well as for the period until confirmation of the intended use of the loan.
Refinancing conditions:
The borrower is required to renew the collateral insurance annually, as well as re-registration of the mortgage in favor of a new lender. Residential real estate objects in wooden and phenolic houses are not accepted as collateral - only liquid properties with a positive appraiser forecast in terms of value growth in the coming years.
Required documents
Documents will be needed for refinancing. The bank needs to assess the client's solvency, his credit history and the collateral itself. Documents are provided in the form of originals and copies. However, it is not necessary to certify copies (only the work book must be certified by the employer). You will need to present to the bank:
- application form;
- a photocopy of the borrower's passport;
- a certificate of income for the last 6 months (in the form of 2-NDFL) or a certificate of average wages (in the form of an enterprise);
- a copy of the loan agreement and a loan repayment plan;
- a certificate of debt;
- a copy of the military ID (only up to men under the age of 27).
If you have a salary account with a bank, a certificate is not required. If it is not possible to determine the length of service on the basis of the income statement, the bank may additionally request a certified copy work book or a certificate containing information about the experience.
Additionally, you will need a package of documents required for registration of a mortgage of residential real estate. This is, first of all, an extended extract of the USRN, an act of real estate appraisal, copies of documents of title or a copy of the DDU or assignment of rights of claim (if housing is bought in a new building).
How to fill out an application?
The application can be made on the website of Surgutneftegazbank. You can also download the form and fill it in by hand, and then bring it to the bank branch. The application form indicates:
At the end of the questionnaire, you will need to agree that the bank can fully or partially cede its rights and obligations under the loan agreement. The application is signed by the borrower personally. The response to the submitted application is received in about 2-7 days.
Step-by-step registration procedure
Refinancing of a loan issued in another bank is carried out according to a strictly defined procedure. First, the bank assesses the borrower and the collateral and decides on further cooperation or refusal to lend. Then it will be necessary to sign documents, in particular a refinancing agreement and a new mortgage agreement.
Borrower's algorithm of actions:
- Obtaining the consent of the bank for refinancing.
- Provision of documents for mortgaged real estate.
- Signing a loan refinancing agreement and mortgage debt repayment.
- Removing encumbrances from real estate and signing a mortgage agreement.
- Loan repayment at a new rate.
After all the documents are completed, the borrower will be able to repay the loan by depositing funds into an account with Surgutneftegazbank. The insurance contract may need to be reissued. But not necessarily: if the insurer is accredited with the bank, then it will be possible not to change the insurance, but only to make some changes to it (replace the beneficiary, the insurance period, if the loan term changes).
Pros and cons
The advantages of refinancing at Surgutneftegazbank are low interest rates. Thanks to such loyal conditions, you can significantly reduce the amount of the monthly loan payment.
This can be of great help for young families. Within the framework of on-lending, you can also reduce or increase the loan term, which will also affect the amount of payments.
The disadvantages of refinancing are the strict selection of borrowers, tight lending limits, as well as very dubious benefits in the case of a small difference between the rates. It is worth deciding on refinancing if the difference is at least 1-2 percentage points, but ideally if it is still 5-7%.
The pitfalls of the procedure are associated with the costs of re-issuing a mortgage, the appraisal of mortgaged real estate, as well as the possible loss of part of insurance payments in the event of an early termination of the insurance contract.
Possible reasons for refusal
Surgutneftegazbank honestly admits on the website that even full compliance with the bank's requirements does not guarantee the approval of the refinancing application. The bank reserves the right to accept someone else's borrower or not, as well as refuse internal clients to reduce the mortgage rate.
Most often they refuse if:
- the borrower's income level has dropped in recent years;
- an individual entrepreneur has losses in business;
- there were delays on the loan;
- the loan has already been restructured or refinanced.
The reason for the refusal may also be the short period that remains until the date of loan repayment. It is beneficial for the bank to accept a borrower with a large amount of debt, liquid collateral and a long maturity. Anything that does not comply with these rules is an unspoken reason for refusing to satisfy the application.
How can you improve your chances of being approved?
To increase the chances of satisfying the application, you can provide documents confirming additional income, assets, or attract joint and several co-borrowers. Additional income can be confirmed:
If other loans have already been successfully repaid, then you can take a certificate from banks about the closure of old loans. In the event that in the future it is planned to sell real estate or assets and has already been issued preliminary agreement, you can provide a copy of it at the bank. This will definitely increase the chances of your application being approved.
Surgutneftegazbank offers an excellent opportunity to refinance mortgages from other banks. To get bank approval, you need to have no overdue debt and have wages at least 15 thousand rubles. In addition, it is required that the loan amount does not exceed 8 million rubles, and the loan term does not exceed 30 years.
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Refinancing the mortgage of Surgutneftegazbank is designed to solve the problems of the borrower who has mortgage... The offer can be used by both clients who have difficulties with repayment (but there are no delinquencies yet), and those who want to improve credit conditions. Re-crediting at Surgutneftegazbank is possible under two programs. One of them is intended exclusively for mortgage loans, the other is for any other.
Conditions for refinancing loans at Surgutneftegazbank
Refinancing of mortgages in Surgutneftegazbank is carried out under the "Alternative - real estate" program. It's designed with your needs in mind mortgage borrowers... Its feature is a long loan term. The life and health insurance of the borrower is carried out at his request. Issued with security, which is immovable property. Obligatory insurance of the pledged object.
Conditions for refinancing a mortgage loan:
interest rate - from 9.5%;
loan term - up to 30 years;
loan amount - up to 8 million rubles.
The interest rate increases by 1% if there is no personal insurance borrower. Also needed in mandatory confirm that the loan from another bank has been repaid. To do this, the borrower is given 62 days, during which the rate is 1% higher. After the provision of supporting documents, it decreases. If there is no confirmation after 62 days, the bank reserves the right to increase the loan rate by 5%.
Surgutneftegazbank has another program - the Alternative loan. It is intended for on-lending consumer loans, but it can also be used to pay off the mortgage. The rate for such a loan is higher and depends on the term of the loan, the category of borrowers, but often it is lower than the interest rate on a mortgage in another bank.
Terms of provision:
loan amount - up to 750 thousand rubles;
interest rate - from 13%;
the maximum term is up to 10 years.
Despite the fact that the amount and term for this program is much lower, for a number of borrowers it may be of interest, since it does not require collateral. This means that with such on-lending, the encumbrance will be removed from the mortgage real estate and it will become available for sale, exchange or other operations.
Surgutneftegazbank can also refinance its own loan - for this, the client needs to come to the bank's office and write an application for revising the rate on the existing loan. From the documents you will need a certificate of income and a copy of the work book, information about other loans (if any). The bank may refuse the service.
List of required documents
In order to issue the refinancing of loans from Surgutneftegazbank, it is necessary to submit to the bank the documents that are needed to consider the application:
statement;
passport of a citizen of the Russian Federation;
documents confirming income (2-NDFL, account statement, you do not need to provide anything to salary clients);
a copy of the work book (employment contract), certified by the employer;
assessment opinion real estate an independent expert;
documents for a refinanced loan (loan agreement, repayment schedule, certificate of debt status, no overdue debt for the entire crediting period).
In case of mortgage lending, documents are additionally submitted for the real estate itself (similar to those on the basis of which a mortgage is issued in the CISB). After receiving the main package of documents, the bank considers them, in some cases it may request additional ones.
To apply for refinancing at Surgutneftegazbank, you must submit an application on the website, at a branch or by phone. The bank will consider the possibility of allocating a tranche for on-lending and will take an appropriate decision. If it is positive, you will need to prepare a package of documents and contact the nearest office to complete the transaction.
The bank examines the documents provided, if necessary, require additional ones, conduct a conversation with the borrower. After the interest rates are agreed and the deal is approved, an agreement is signed
A citizen of the Russian Federation at the age of 21 at the time of registration of the transaction and up to 70 years at the time of its maturity can receive it. Compulsory employment, work experience at the current place of work - at least 6 months. There are no restrictions on the employing company. The minimum salary for a loan is 15 thousand rubles net of taxes.
Separate requirements are put forward for real estate with a mortgage loan:
not older than 40 years from the date of construction;
housing must be located in the region of the bank's presence;
the house should not be demolished;
Wooden and phenolic houses are not accepted as collateral.
The refinanced loan must not be overdue during the crediting period, the amount of the balance on it and the fact that there is no delay must be documented.
In order for the borrower to independently calculate the amount of the loan payment, its overpayment and evaluate for himself economic efficiency, a special service is implemented on the site - credit calculator... It is enough to enter the initial parameters of the loan in the appropriate fields and the system will instantly calculate.
If you want to reduce the interest rate on an existing loan, change the amount of monthly payments, increase the loan term, or simply combine several loans into one, an excellent solution may be to apply for a loan to repay the previous one at Surgutneftegazbank.
Features of refinancing loans from other banks in Surgutneftegazbank
The bank offers 1 refinancing option consumer loans other banks on the following conditions:
- under 10.75 - 19.50%;
- the borrower must be of legal age;
- be sure to have Russian citizenship.
To fully appreciate the terms of refinancing, you can apply. Just enter the desired amount and term, and the site will calculate everything by itself. So you can find out the amount of the monthly payment and the amount of the overpayment for the entire period.
How can you apply for on-lending at Surgutneftegazbank?
Forming an online application will take you no more than 20 minutes. Open the page with the right loan, click "Apply", fill out the form and send your application. You will be contacted within 24 hours and the bank's decision on the requested refinancing will be announced.
Surgutneftegazbank offers the opportunity to refinance an existing loan in third party bank, reducing the amount of the total overpayment on it. The bank offers lower interest rates to reduce the monthly loan burden.
Pluses of the program. The advantage of on-lending in the Bank is the ability to obtain a loan for up to 10 years (for example, in Sberbank and VTB - up to 7 years). In addition to a loan to repay third-party loans, the borrower can receive an additional loan for any consumer purpose. Holders salary cards Surgutneftegazbank can issue refinancing with a preferential interest rate.
Minuses. Also, the Bank's on-lending program has some limitations. Surgutneftegazbank does not offer refinancing of domestic loans. You can re-credit only a loan issued in Russian rubles... The number of regions of the Russian Federation in which the Bank provides loans is limited. The refinanced loan must be issued no later than six months before the application is submitted. It allows for delays of up to 1 month (no more than 5).
Documentation. To consider an application for refinancing, Surgutneftegasbank requests the following documents:
- Passport of a citizen of the Russian Federation;
- Military ID (for men under the age of 27);
- Primary loan agreement and repayment schedule;
- A document containing complete information about the character credit history(not required if there are no delinquencies on the refinanced loan);
- A document certifying the fact of employment: a copy of a work record book or a certificate of current work experience;
- A document certifying the level of the applicant's income for the previous six months: a 2-NDFL certificate or according to the model of the employing organization.
Borrower requirements. A citizen can get a loan under the Surgutneftegazbank refinancing program Russian Federation aged from 21 (at the time of filing the application) to 70 (at the time of full fulfillment of obligations under the agreement) years, having registration (on a permanent basis) in the territory of the region served by the Bank's division. Work experience at the current place of work must be at least six months, while there are no restrictions on the form of the employing company. The applicant must have a stable monthly income of over 15,000 rubles.
Terms of the program. The size interest rate on a loan from Surgutneftegazbank depends on the loan term. The loan collateral is provided at the request of the Bank. Insurance is connected voluntarily, refusal to issue it is not a reason for the Bank's refusal to issue credit funds... The loan is repaid by making monthly equal (annuity) payments.
How to send an application? On the official website of Surgutneftegazbank, the opportunity to submit a preliminary online application for refinancing. To apply for a loan, the applicant must visit any branch of the Bank. After being provided by the borrower required package documents The Bank considers the application and makes a final decision on it within 1-3 business days. Within 1 day after the issuance of loan funds, the borrower must make a full early repayment refinanced loans, and within 2 days - submit documentary evidence of such repayment to Surgutneftegasbank.
If you have consumer credit at another bank, and you have to pay on it high percent, Surgutneftegazbank offers to use the loan "Alternative" and at the expense of it to pay off the obligation to another bank, while paying a lower interest rate.
Interest rates
* In case of non-registration insurance policy for risks "Accident, illness" for the entire term of the loan, the interest rate increases by 2% per annum.
When the corresponding insurance policy is drawn up outside of JSC BANK SNGB, the interest rate increases by 1.5% per annum.
For payroll Clients/ salary Clients of "state employees" the size of the interest rate is reduced by 1.6% per annum.
Conditions
Loan terms | up to 10 years (120 months) | |
Loan repayment scheme | annuity 1 | |
Amount of credit | up to 1,100,000 rubles. | |
Loan security | at the discretion of the Bank | |
Loan conditions | no less than 6 (six) months have passed since the date of the conclusion of the loan agreement (repayment of which is planned at the expense of a new loan), then no more than 5 violations of the terms of loan repayment and / or payment of interest are allowed for no more than 30 calendar days each) , confirmed by a bank certificate (the certificate should also contain information about the current state of the loan debt) | |
Requirements for Borrower / Co-borrowers / Guarantors 2 | Age (years) | from 21 to 70 years old |
Work experience | at least 6 months | |
Wage level | not less than 15,000 rubles. | |
Place of work | there are no restrictions on employing organizations | |
Registration address |
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Other conditions |
1. When calculating the solvency of the loan obligations, planned to be repaid at the expense of credit funds, are not taken into account. 2. In the absence of overdue payments in the NBKI / OKB reports on loans planned for repayment, a document containing complete information on credit history is not required, a certificate on the current state of the loan debt is sufficient. |
Under annuity payments in loan agreement means equal monthly payments during the entire term of the loan (except for the first and last months), paid on account of the return of the loan and payment of interest on it. Total payments is defined as the number of months before the final maturity of the loan, starting from the first month of repayment.
The borrower's compliance with the established requirements is not the obligation of the bank to issue a loan.
For individuals- employees of PJSC "Surgutneftegas" and its subsidiaries who have an account with the Bank to which cash in the form of wages.