Which bank has the best refinancing conditions. Which banks are engaged in refinancing loans

Refinancing is a type when you can pay off old bank debts, while completing new loan for more favorable terms... Refinancing others' loans is a popular service. Thus, banks are trying to lure customers to themselves.

When is it profitable to apply for refinancing a consumer loan in Moscow?

If you apply for refinancing, you can reduce the amount of your monthly debt by lowering the rate or increasing the loan term. In the second case, the size of the total overpayment for the entire loan will increase significantly.

There is a benefit in the following cases:

• the interest rate in the new loan is at least two points lower;
• old loan from banks in Moscow was taken in foreign currency, and because of the hesitation, you have to pay a lot;
• multiple loans have been issued, and there is confusion over the dates of the monthly debt repayments.

Refinancing should not be confused with restructuring. The latter term means changing the conditions of the current loan without creating a new one. You can agree with the bank to change the payment date or extend the loan term.

Find out in advance if there is a ban in the bank for early repayment. If there is such a clause in the agreement, then it makes no sense to dream of a loan for a loan. If there is no ban, the bank in Moscow cannot take money for early repayment. Banks are legally prohibited from taking penalties for early repayment.

Stages of registration of on-lending in Moscow

1. Filling preliminary for individuals on the bank's website or at a branch (passport data, contact number, desired loan amount and term, income information).
2. Obtaining preliminary bank approval.
3. Collection required documents and transferring them to a financial institution: passport, income statement, previous loan agreement and a payment schedule.
4. The final decision of the bank to issue a loan is made.
5. You need to write to the bank where the loan was, an application for early repayment (30 days in advance).
6. A new loan agreement is signed and a new payment schedule is approved.
7. The new bank is paying off the client's debt.
8. It is imperative to get a certificate of full repayment of the debt.

How to find the best loan refinancing using a website site?

On our website, you can not only study the offers of Moscow banks, but also customize the search for individual conditions... That is, enter how much money you need, for how long, can you provide income certificates.

The built-in will show the amount of the overpayment and the amount of the monthly payment. So you can quickly understand whether the game is worth the candle - whether it is worth taking out a new loan in Moscow.

You can find the best suggestion by sorting the parameters in descending or ascending order. So you can quickly see who offers the lowest interest rate, and who will have to overpay the least.

Don't know which banks are refinancing a loan to an individual? How to highlight from all the diversity best deals 2019? After reading this review, you will find out: in which bank it is profitable to apply for refinancing consumer loans from other banks! The list was compiled by an independent expert in banking products and also the 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 in another bank is due to 2 main reasons: either valid credit was taken high percent, 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 credit liabilities and save on interest and monthly fees. 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 define how a new loan to pay off old loan obligations in other banks can help us. What are the advantages of refinancing programs for us, individuals:

1. Reducing the interest rate on the loan. As I said above, if you took out a loan on not very favorable terms 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 according to the 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 paid off. 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 re-lending in order to save on interest. But if you need extra cash, then refinancing is fine.
2. To reduce monthly payment on a loan. Everyone can find themselves in a situation where the financial situation changes dramatically. And naturally, this affects your ability to pay off your loan 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. With a new loan, you simply increase the term, and the payment becomes less. But here do not forget about the other side of the coin - overpayment.
3. Consolidation of several loans into one. Most borrowers in Russia have two or more loans. Moreover, loans, as a rule, are different banks... This is not very convenient, because you have to pay 2 or more times a month. And this takes up our time, which can be usefully spent differently. In such cases, people are considering refinancing to combine all loans and pay only one.
4. Release the loan collateral. In this case, an issued car loan secured by a car or a mortgage can be refinanced with an unsecured loan, and thereby release the collateral from credit obligations. This is very convenient when you need to sell your car or apartment, which are pledged to credit institution.

TOP-7 banks for refinancing loans to individuals

After analyzing the mass of offers for individuals to all well-known banks in the country, I came to the list of 7 best banks offering the most favorable conditions for refinancing, on-lending and consolidation of 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 strives to attract as many clients as possible, offering very favorable conditions. And of course, this cannot but rejoice, 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 loan rate from 11.99%. Calculated individually.
• The term is from 1 to 5 years. For payroll clients maximum term 7 years.
• The loan amount is from 50 thousand to 4 million rubles.
• No collateral is required (no collateral, no guarantors).
• Do not lend to individual entrepreneurs.
• Refinancing is possible of all types credit products, including microloans of MFOs, car loans and mortgages.
• Single application for refinancing and additional money (if necessary).
• Online application solution in 15 minutes!

Refinancing of consumer loans in Moscow from Interprombank

Are you looking for where to refinance your loans in Moscow and the Moscow region? The program of refinancing loans in third-party banks from the 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 a request here. Thus, even retirees up to 75 years old can refinance a loan here.

Conditions for refinancing loans at Interprombank

• Loan rate from 11% (minus 1% after 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 received 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 apply for a card at Tinkoff and the required limit is approved for you, then you can pay off the debt in another bank with this money completely free of charge (credit, microloan or credit card). And the main advantage is that you will not be charged interest on a Tinkoff credit card for 120 days (4 full months) on the transferred amount of debt from another bank! This is a great way to refinance your consumer loans with third party banks. If you have mortgage then use another suggestion - Tinkoff Mortgage .

To take advantage of the favorable conditions "Refinancing without interest for 120 days" you need:

1. to a Tinkoff credit card and receive a decision within 5 minutes.
2. If the card is approved, a bank specialist will deliver it to a place convenient for you.
3. When activating the card by phone, tell me that you want to transfer the debt from another bank.
4. It will be necessary to inform the Tinkoff operator of the details for transferring money to another bank.
5. Within 1-2 business days, the bank will transfer money from your credit Tinkoff cards to pay off debt in another bank. And you will receive 4 months of an interest-free period for this amount of debt.

In the event that a request was denied Tinkoff bank on a credit card or did not arrange a limit, Alfa-Bank has a similar product. There, too, you can apply for a credit card, pay off the debt in another bank with this card and not pay interest on the Alfa Bank card for 100 days. That is, a kind of interest-based vacation on the card. This is a great way to refinance a small loan or microloan at another bank. ...

Refinancing loan from UBRIR on a passport and income statement

The Ural Bank for Reconstruction and Development offers rather favorable conditions for on-lending to individual borrowers. By leaving an application for refinancing in this bank, you can reduce the amount of payments, lower the interest rate, reduce the number of loans and credit cards, and also receive additional funds if necessary. For registration, you will need only 2 documents - a passport and a certificate of income. Moreover, both employees of companies and individual entrepreneurs(IP).

Terms of offer in UBRIR

• The loan rate is 15-19%, with the possibility of decreasing in 2 months to 13-15% per annum.
• Term from 24 to 84 months.
• Amount up to 1 million rubles.
• The borrower's age is 21-75 years.
• The application is considered in as soon as possible- 1 day.

Refinancing of loans from other banks without collateral and guarantors in Rosbank

Another bank refinancing consumer loans to individuals is ROSBANK. A credit organization makes it possible to repay existing loan obligations in another bank at the expense of a new loan, which will allow you to reduce the rate, payment, release collateral in another bank, combine several loans into one, or get 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 11.99%.
• Large amount up to 3 million rubles.
• The maximum term is 60 months for new clients, 84 months for salary clients.

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 announces a fixed rate at which it can approve a loan for you. This rate is currently 11.4 percent per annum, which is one of the most low rates for refinancing.

Briefly about profitable loan refinancing from Uralsib

• The loan rate is fixed - 11.4% per annum.
• Term from 13 to 84 months.
• Amount up to 2 million rubles.
• The ability to repay loans from other banks, as well as receive additional funds for any purpose.
• The borrower's age for registration must be at least 23 years old.
• If you need an amount for refinancing up to 250 thousand rubles, then you only need 2 documents: a passport + a second document (driver's, SNILS, TIN, international passport, and so on). If more than 250 thousand rubles, then you will additionally need a document confirming income - 2-NDFL.

Favorable conditions for refinancing from Raiffeisenbank

Raiffeisenbank for clients aged 23 to 67 offers to combine up to 5 existing loan agreements with other banks (mortgage, car loan, credit card or consumer credit cash).

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 offer at Raiffeisenbank

• Favorable rate 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 have refinanced at Raiffeisenbank, then the interest rate can be increased by 8 percent.
• Consolidation of up to 5 different loans.
• The minimum amount is 90 thousand, the maximum is 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. - only a passport!
• Individual entrepreneurs do not receive loans.

Where and how to refinance a loan if they refuse

Very often, it is precisely those who today are experiencing problems with paying off current debt obligations that want to refinance their loans. 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:

1. To begin with, you must understand that with a delay in current loan up to 30 days, there are still good chances of getting a positive decision on special programs refinancing, which are given above. If, however, the delay is much more than 1 month, then the chances of obtaining refinancing of your loans are significantly less. But in any case, to get out of this situation it is necessary to act. Therefore, in any case, try to leave online applications from the above rating of banks.
2. If all banks refuse or approve the insufficient limit for the refinancing program, then you need to try to get a cash loan at the banks, which are listed below. There you can either get a loan without income certificates, or, on the contrary, secured by real estate or PTS.
3. If and on regular loan If cash is denied, then the only way is to arrange a loan by your closest relative (husband / wife, brother / sister), who will help cover your delays with the money received. And you will already give the money to him.

Below are 8 profitable banks that issue 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 loan certificates from other banks.

1. Housing Finance Bank- for those who are denied refinancing by banks. In a credit institution, you can apply for a refinancing loan without refusal on the security of an apartment! Great option refinancing for those with bad credit!
2. - a consumer loan in cash 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!
3. - if delays do not allow you to urgently refinance the loan, then the way out of the situation will be to apply for a loan for another person, for example, for parents or grandparents. Favorable conditions for pensioners are offered by the bank UBRIR.

Watch the training video: "What is refinancing and how to do it right?"

Imagine a situation: a friend takes a loan and asks to become a guarantor. The bank guarantees a lower rate if the loan is secured. Most people listen to the promises of a friend and agree. After listing a couple of payments, the friend mysteriously disappears somewhere in Goa. The bank is at the door and demands to return the money. Let's figure out where to look for a way out of the situation.

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Another has come New Year, The Central Bank lowered another 0.25 PP yesterday key rate, then interest on all banking products will surely decrease, so today we are considering the question - where are the best proposals for refinancing loans from other banks in 2018. But first, you must be fully aware of one thing. If a certain product is called “Refinancing”, it does not mean that it exactly suits your goals. Quite often you can find more profitable options that do not bear such high-profile names. Filter the market, count and you will be happy!

From the point of view of classical theory and information disseminated on the Internet, refinancing contributes to the following:

• Decrease in monthly payment
• The amalgamation different types debts in different banks into one
• Ease the overall debt burden

WHY IS THIS TO THE BANK? It's simple - there are no good borrowers left, the new client base is not growing, since the market is not growing, therefore, it is necessary to drag borrowers from other banks. To this we add a longer term and loan amount, which will cover the bank's losses due to the low interest rate. The repayment scheme will be necessarily annuity, that is, in the first half of the term, you pay only interest. All this together guarantees the organization additional income... Why not!

Is it so? Let's see what people say, because practice is always different from marketing slogans:

• Often they refuse to refinance their own loans

In other words, you already have, say, a loan from Sberbank, the rate on them fell several times in 2017 and is now about 12-13% - naturally, you will have a desire to rewrite the current agreement for a new one with better conditions. But Sberbank may not allow you to do this for any far-fetched reason - it is not profitable for anyone to "forgive" debts to existing clients, but attracting new ones is a completely different matter.

• Refinancing is not always beneficial

If you look at this topic from the outside, without plunging into and without trying "on the teeth", it may seem that refinancing is always economically feasible. But in fact, there are nuances. The first is that you make out in essence new loan rather than restructuring the old one. Second, it is for you that the rate may be significantly higher than the official one, and may be forced to take out a larger loan. Third, according to any agreement, you first pay the bank interest for using the money, and then the main body of the debt.

Thus, we get the conclusion - if more than half of the term has already passed on your loan, then there is no special sense in changing the conditions on it. And even if you manage to find the best loan refinancing deal in 2018, the increased debt will eat up all the benefits. Here we add possible costs for renewal of the contract (insurance, commissions). If we talk about mortgages, there will be even more of them. As a result, you need to count everything correctly, without errors!

• Not easy to get

If you think that you can come to any bank that has lower numbers on the website, and they will immediately approve a loan, then this is a deceptive understanding of life. First, each bank has its own requirements for a potential borrower. For example, someone wants the delay to go, someone does not want to, the question is to sufficiency monthly income, to quality credit history etc. Everything is different for everyone - you need to disassemble each lender separately.

• The current bank may not allow, do it in another

THERE IS A DELUSION! The first is refinancing, this is self-insolvency. This is not true. Second, in the future there may be problems with the approval of new loans. This is also nonsense.

Hereinafter, we will consider the current and best offers of banks for refinancing loans in 2018, namely, specialized products with similar names. However, do not forget that you can always solve the problem with your debts by alternative ways, for example, borrow money from relatives, get a credit card, squeeze in and save money, and so on. Below is a separate list of places where you can refinance with bad credit history.

Included in the list of services offered by most banks. Through this program, you can improve the terms of the loan and reduce the financial burden.

But is it really that simple? Before applying for refinancing, you need to consider all the pros and cons.

In this article we will reveal the whole truth about refinancing loans: is it profitable to do it and is it worth it, what is the benefit for you and what is it for the bank, we will find out the catch of the offered service.

Is it worth refinancing

Refinancing involves taking a new loan in order to repay the old one.

For example, a client already has a current loan agreement with a banking institution. He has the opportunity to contact another bank, where he will be offered a loan with a lower interest rate.

When registering a loan, the borrower repays the first loan and pays off to another, new credit institution. The funds of the new loan are transferred for repayment old debt... We wrote about refinancing loans from other banking institutions.

Overlending is usually divided into external and internal.

Domestic is offered within one bank... That is, the borrower is given a specific amount that can cover the old loan, but on more loyal terms.

The contract is renegotiated with the client, where the changed interest rate and term are indicated. Usually banks agree to such a service infrequently, if there is a real need.

So, if the client has serious financial difficulties, then refinancing can be carried out, since for the creditor such a prospect is better than dealing with the courts when the debtor does not pay at all.

The latter receives a revision of the conditions in his favor, which also lightens his burden. And also sometimes the revision of credit terms becomes a bonus for bona fide borrowers.

External on-lending is an appeal to another organization to cover the debt. Sometimes it's the only thing Possible Solution helping to improve the conditions for the use of borrowed funds.

The client has full right refinance debt, while he can himself. This option is much more common, and in many cases it becomes very profitable.

The program allows the borrower to receive the following benefits:

This program, however, is not always beneficial and appropriate.... To understand whether the profit will be sufficient, you need to consider the following points:

• Interest rate... To significantly reduce the overpayment, it is necessary that the difference between the two figures is at least 5%.
• Monthly payment amount. Please note that as the loan period decreases, the regular payments increase.
• Commission. The service involves the payment of a commission, and if it is too high, then the opportunity to save for the borrower drops significantly.
• Early repayment... When paying in advance, the profit of a banking institution decreases, therefore many of them, in order to level losses, introduce fines and penalties.

In the first case, payments every month will be equal, and will include the amount of interest repayment (at first it will be large) and a small part in the payment of the principal debt.

The latter will increase simultaneously with the decrease in the interest rate.

With a differentiated payment, the payment is always equal, and interest is charged only on the balance, and over time total amount decreases. For the bank, the second option is not very profitable, since the interest income decreases.

The pitfalls of the proposal

Regardless of the bank in which refinancing is issued, the pitfalls of this service are almost identical everywhere:

You also need to take into account the presence of hidden fees and payments.... This may relate to the assessment of the collateral (and after all, the payment of the appraiser is not a guarantee of a positive decision credit institution), as well as the commission for the consideration of the loan application.

An additional pitfall is the need to collect a large number of various papers and certify them.

This only makes sense if there are enough benefits of on-lending - otherwise, you will simply waste your time.

Benefit for the bank

For banks, the main benefit of providing a service is in attracting new trustworthy customers. This is why they check your credit history. You can read about how to refinance a loan with a bad credit history.

In addition, by offering clients loans on more favorable terms, banking institutions benefit from the difference in interest paid to the old lender and the interest charged to the borrower.

The commission, consisting of interest on the new conditions - is the benefit for the financial institution.

In addition, by frequently re-registering the debt, the client also pays interest to the old creditor for early repayment.

As you can see, there are really many advantages to such a solution. and it appears to be beneficial to both the lender and the borrower. But not everything is so simple.

The fact is that there are also disadvantages and pitfalls, so you first need to study them all.

It is convenient to use special calculators for calculations.... And also evaluate the offers of different banks and try to choose the best one.

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