Loan refinancing 12. Loan refinancing in various banks

There are several reasons for refinancing. The client may suddenly lose his current job, or the company may go bankrupt (which, by the way, the borrower must notify the lender about). In this case, the obligations will become unbearable. Cash (accumulated and from other sources of income) may become insufficient for a normal standard of living and payment of the monthly premium.

You can contact the bank with a proposal to increase the term of the agreement. At the same time, the monthly burden will be significantly reduced. But refinancing programs are actually rarely used. The fact is that most financial organizations carry out “anti-crisis” projects. As part of the program, the client receives a credit holiday or deferred payment. In this case, the loan agreement is not terminated.

The duration of the preferential payment regime depends on the bank’s conditions, as well as supporting information provided by the client.

2 best offers for today

Reputable banks are distinguished by loyal interest rates, minimum requirements, and the possibility of remote servicing.

VTB Bank of Moscow

Special refinancing conditions apply for salary clients, employees corporate clients, as well as workers in the education, health, law enforcement and government sectors.

The annual rate is set at individually depending on the category of the applicant. Combining several transactions is allowed.

The on-lending scheme offered by this financial institution will help you effectively reduce the rate and one-time payment by receiving additional funds for personal needs or combining several different agreements into one agreement. A new loan can be issued in the amount of up to 3 million rubles for a period of up to 5 years. The rate varies depending on the category of clients within 12.9-17%. The main groups of clients who are offered participation in the program:

• employees of enterprises participating in the salary project from VTB Bank of Moscow;
• employees of corporate clients who are parties to the agreement with the bank;
• persons employed in the public sector or law enforcement agencies.

To obtain better lending conditions, for example, to reduce the rate to 12.9%, ordinary clients are recommended to switch to receiving salaries through cards of this bank.

According to the terms of refinancing, new borrower has the right to early payment of debt. At the same time, he is given an international debit card as a gift without commission for the first year. Failure to repay the debt on time may result in a penalty being charged at the rate of 20% per annum for the period of delay. It is also possible to connect additional services:

• « Credit holidays» with deferment of 2 payments according to schedule;
• voluntary insurance according to three available tariff plans;
• one-time change of payment date.

Citizens of the Russian Federation aged 21-75 who have a current work experience of more than 3 months can count on debt refinancing. and do not participate in the personal bankruptcy process. For salary clients, it is enough to provide a passport, SNILS, information about existing debt on old loans. For other categories of clients, the package of documents will be broader. You will have to provide an additional certified copy of the work book and income document. Also, VTB Bank of Moscow will require that under refinanced agreements:

• The service lasted more than 6 months. on the date of application;
• there were no current delays or violations of deadlines for more than 30 days for the entire period of using the money.

Bank Pervomaisky

To refinance loans from third-party organizations, a loan is issued in the amount of 100 thousand to 1 million rubles for a period of up to 60 months. The base interest rate is 19%, but it can be reduced upon confirmation of the intended use of the loan:

1. For bona fide clients of the financial institution itself, up to 12.5%.
2. For persons receiving a salary or pension on a card or account at Pervomaisky Bank up to 14.5%.
3. For state employees and pensioners up to 16.5%.
4. For other categories of borrowers up to 17.5%.

An application for participation in the program from a financial institution can be submitted by a citizen of the Russian Federation aged 21-75 years old who has official employment. You must also have official registration with residence in locality, where the bank's offices operate. Persons who submit a request for refinancing receive the following benefits:

• no restrictions on the number of debt agreements that must be covered with a new loan;
• funds are issued for early payment of any consumer loans both requiring collateral and without it, as well as mortgages, car loans, credit cards and overdrafts;
• the opportunity to reduce the monthly premium and the amount of total overpayment;
• provision, upon request, of an additional amount to cover needs not related to on-lending;
• issuing a gift for borrowers – a convenient debit card.

However, there is also a limitation - the loan amount cannot be more than 25% more than the refinanced debt. For example, if your debt is 300 thousand rubles, then you can count on an agreement with a set amount of no more than 375 thousand rubles. When submitting an application for 500 thousand rubles or more, the bank reserves the right to request a pledge of a car or real estate. In addition, the financial institution imposes the following requirements for loans repaid under the refinancing scheme:

• no debt that is currently overdue;
• loan activity for more than 6 months;
• the time remaining until full payment is made is over 6 months.

To receive a loan from the Pervomaisky Bank, along with the application, you must provide a passport, a document on income received, as well as a certificate of current debt for each covered loan. After paying off the initial debts, it is recommended to confirm this fact with a certificate.

Offers from other banks

Let's consider the most profitable offers for refinancing loans from the country's top banks.

Conditions for refinancing at Sberbank of Russia

In the largest bank Russian Federation There is an available refinancing program. The client can complete a transaction for favorable conditions:

1. The annual rate is from 15.9%.
2. The contract is valid for three months.
3. The loan amount depends on the territorial location of the bank division. For example, in the Chelyabinsk region a client can receive up to one and a half million rubles.
4. For employees budgetary institutions, as well as civil servants, benefits have been developed.
5. Consolidation of no more than five loans in third-party organizations is allowed. In addition to consumer loans, Sberbank of Russia also repays secured car loans.

According to the terms of the program, the client is not required to bring a certificate of income, as well as a certified copy of the work book. The registration procedure is quite simplified. The client will need to contact the nearest bank branch. The employee will provide an application form.

The completed document with all additional papers must be submitted to the relevant credit department. The decision is made within two working days. The Bank reserves the right to extend the period for consideration of the application if the submitted information requires more thorough verification.

Features of refinancing for domestic clients

As a rule, bank clients who have overdue payments for three months end up receiving financial support from friends or relatives. Therefore, refinancing is often simply unprofitable for borrowers. The final overpayment increases significantly.

Sberbank of Russia has special conditions for participants in the salary project. For example, if the client likes the terms of the new contract, he can apply for refinancing. Lowering the rate allows the borrower to save up to three hundred thousand rubles.

If a client recently got a new job and now receives a salary from Sberbank of Russia, he needs to work in the new place for at least six months. If the applicant has not changed employer, you need to agree with the company’s accountant to transfer the salary to the bank.

The current legislation does not regulate the issue of service. The decision is often made by the manager, as well as Chief Accountant organizations. Unlike others financial structures, even if one client submits an application, Sberbank of Russia will create a salary project. But you will need a formal agreement with the management of the company. Regular enrollment debit card does not give the client the right to take advantage of the discount.

If managers or business owners are against the transfer, the client can still receive a discount of 0.25 percent.

Rosbank

The institution reissues all types of debt (including mortgages, car loans, overdrafts and credit cards). In addition to repayment, the client can spend cash for personal needs. Borrowers with positive credit history and without delays on current obligations.

More than ten categories of clients have been developed. The annual rate, as well as the terms of the contract, are considered on an individual basis. Transaction processing is available in all Rosbank divisions.

VTB 24

The bank operates special program refinancing. Repayment of current debt is made at a reduced rate - only fifteen percent per annum. VTB 24 guarantees the approval of transactions to reliable payers. It is possible to combine up to six loan obligations. The bank also pays off credit card debt.

You can apply for a reduction in your monthly payment and reduce your total overpayment. But there is one limitation. The Bank does not refinance debt on loans issued from VTB Group partners.

VTB 24 offer.

Salary clients are served on special conditions. The annual rate has been reduced to 15.5%. For other clients, the bank fee has been increased by two points. The amount of the loan agreement ranges from one hundred thousand to one million rubles. For clients with a debt of less than five hundred thousand rubles, an application can be submitted on the official website.

Alfa Bank

Designed by credit product to repay previously issued obligations. The bank allocates funds only to close the contract for the purchase or construction of an apartment, as well as a share of real estate.

Conditions for consumer loans are limited. Refinancing is valid for clients with targeted loans for repairs. But in return, the bank will require the object of the agreement to be pledged.

Unlike standard refinancing programs, Alfa-Bank lends regardless of citizenship. At the time of execution of the transaction, the client must be over twenty years of age. You will need to pay off the debt in full by age 64.

Bank refinancing available employees, founders, co-founders, as well as individual entrepreneurs.

Rosselkhozbank

Clients who have taken out a consumer loan have the right to take advantage of refinancing. The maximum possible amount of repayment of obligations is one million rubles. But the funds should only be used to cover the principal debt.

The duration of the contract is set from thirty days to sixty months. The amount of bank remuneration depends on the loan period. If the client’s debt is reissued for up to two years, annual rate will be 18.5%. In other cases, the borrower needs to pay at least nineteen percent per annum.

As a guarantee, the bank will require the participation of additional parties. For an agreement up to three hundred thousand rubles, one guarantor will be required. Larger amounts are agreed upon only after taking into account the total income of two or more guarantors.

Eastern Express Bank

One of the largest and actively developing banks in the country has developed profitable offers for retail business. Individuals are issued consumer loans at a low rate - only fifteen percent per annum. The funds can be used to pay off the remaining outstanding debt or cover obligations during temporary financial difficulties.

The bank will require a minimum package of documents. Lending to citizens up to 76 years of age. Proof of official employment will be required. The client must have been employed at his current place of employment for at least three months.

Renaissance Credit

The leading consumer lending bank provides loans, credit and payment cards, deposits and other types of products.

There is an advantageous offer for existing clients. A loan is provided for any needs up to five hundred thousand rubles. In this case, the annual rate is set at 13.9%. The contract is concluded from one year to sixty months.

Tinkoff Bank

Offers cash loans up to fifteen million rubles. It is possible not to visit a bank representative office. Provides convenient remote maintenance. Money is issued at the client’s request - in a single amount or in several tranches.

The funds can be used to pay off current debt. The client has the right to use the remaining portion at his own discretion. Proof of expenses will not be required.

Citibank

Offers profitable refinancing of debt from other financial institutions. Consolidated balance(combining several obligations) will help simplify the repayment of existing loans.

Citibank offers a profitable program for refinancing existing obligations.

As part of the program, you can receive money at a favorable rate - fifteen percent per annum.

Bank "Revival"

Loan funds are allocated for any purpose. Proof of intended use is not required. To complete the transaction, you need to attract a guarantor (only an individual). The borrower can use the unused portion of the funds to purchase land plot, real estate, car and the like.

The loan is issued in full at a time after the conclusion of the agreement. The bank can also transfer the transaction amount to the details provided by the client.

Obligations must be repaid in equal monthly payments. The maximum transaction size is two million rubles.

BinBank

Provides refinancing on favorable terms. The first six months the interest rate will be 14.99%. During the subsequent contract period, the client must pay a fee 2 points below the current obligations. The effective annual rate is calculated from 16.5 to 24.5 percent.

For employees of the public sector and salary clients, the maximum possible loan amount is one million rubles. New clients will be approved for up to five hundred thousand rubles.

Gazprombank

The offer is valid for customers with a consumer loan issued by another bank. The transaction will be agreed upon under an agreement valid for at least six months. The maximum period for concluding a contract is seven years. The loan is issued up to three and a half million rubles at 12.25% per annum.

RaiffeisenBank

Several programs have been developed for borrowers. Preferential conditions are provided to the bank’s salary clients, employees of partner companies, as well as Premium clients.

Within the Personal Loan program, the annual rate is calculated individually from 14.9 to 19.99%. The duration of the agreement is set to five years. The maximum transaction amount is one and a half million rubles. There will be no need for the participation of third parties, as well as registration collateral property.

Home Credit Bank

The terms of the contract depend on the category of the applicant. Existing clients have the opportunity to receive from ten to eight hundred and fifty thousand rubles. The application is reviewed within two hours. Maximum term fulfillment of obligations is seven years. The funds can be used to pay off current debt or spent on personal needs. The client must have a positive credit history.

Refinancing a bad loan provides a lot of opportunities for the borrower. But before you sign, carefully study all the conditions. If you are late, the bank may not only charge a fine, but also write off funds from open accounts.

Refinancing loans from other banks: best deals

Sometimes it is impossible to repay several loans taken out on different dates and from different banks. Confusion begins, there is not enough money, and even delays arise. Not to mention the fact that the interest rates are terrible. In this case, refinancing can help out the situation. This is a great way to reduce the cost of your loan and make payments easier. In addition, as a result of refinancing, if you choose the right bank, you can significantly reduce the annual interest rate and extend the payment period, that is, at the same time, reduce monthly payments. It's important to remember this targeted loan, so it will have to be spent on refinancing and provided certain documents who can confirm this. Otherwise, the bank will raise the rate by several points.

But how do you choose the best bank for refinancing? To do this, we suggest that you familiarize yourself with our rating. We have selected the best offers from banks for refinancing consumer loans. The top includes only profitable and convenient programs for those who are ready to transfer all loans to one bank and get rid of overpayments. But remember - we indicate only the minimum rate and the conditions for how to achieve it. But individually, the bank may calculate a completely different percentage.

TOP 10 banks for loan refinancing

The table shows all the conditions of banks for refinancing loans selected for our rating. This will allow you to get acquainted with the best offers on Russian market briefly before going into detail.

Now it's time to check out the top best banks for refinancing. Each of them stands out with something special.

10 VTB

High number of refinanced loans
Interest rate: 12.5%
Rating (2019): 4.1

And opens a large rating National Bank With excellent reviews from clients, but not the best loan refinancing program in the top. Allows you to take from 100 thousand to 5 million rubles and return them within 5 years. The minimum rate depends on the loan amount and starts from 500 thousand, where it is fixed. Below – from 12.9% and above.

The bank allows you to combine the most loans and credit cards - up to 6. So it is ideal for those who have a lot of debt. It is important to remember that the institution does not refinance loans taken from VTB group banks, not counting its own loans. More favorable conditions for return periods are offered for corporate or salary clients - they have an additional two years to return the money. Their status does not affect the rate.

9 Ak Bars Bank

The best conditions for individual entrepreneurs
Interest rate: 11.5%
Rating (2019): 4.1

The bank provides relatively small loans from 100 thousand to 2 million rubles. However, they will need to be returned within a period of 13 months to 7 years. You can repay up to 5 loans at a time this way. Fixed minimum bid at 11.5% does not depend on the amount and period. Only from the presence of insurance or a salary card - if they are not there, then it can rise in total to 14.5%.

They make me happy good conditions for individual entrepreneurs and businessmen who decide to use refinancing, only 0.3% is added to the rate for business owners and individual entrepreneurs. I am glad that to repay a loan at Ak Bars you can use literally anything - the client has at his disposal a mobile bank, terminals, bank branches, and even a very convenient mobile app. The rest is a typical loan without any special features.

8 Gazprombank

Best refinance calculator
Interest rate: 11.4%
Rating (2019): 4.2

Gazprombank is ready to offer clients from 50 thousand to 5 million rubles for refinancing. You can repay the debt in a minimum of 6 months and a maximum of 7 years. The interest rate depends on the loan term. If you take out a loan for 5-7 years, then it will be 14.25%, and the amount cannot be less than 300 thousand rubles. If less, then 11.4%. For a loan of 3 million or more, you will need to obtain a guarantee from at least one solvent citizen.

As always, Gazprombank can boast the best calculator for a loan. You can use it to calculate literally everything - from the required amount up to the amount of overpayment on the bank loan. In addition, it allows you to find out the required minimum income or calculate the possible limit depending on the client’s requirements and income. It’s very convenient and helps you understand what to expect from the bank in the final decision. It is interesting that the bank is ready to accept guarantees for individuals and legal entities. In this case, the size of the credit limit can be increased if entity offers a larger guarantee amount than its upper limit.

7 BinBank

Full client protection
Interest rate: 10.49%
Rating (2019): 4.3

The institution offers clients to take from 50 thousand to 2 million rubles. The repayment period is from 1 to 7 years, so payments can be made completely insignificant. Only 3 loans can be repaid using bank funds. I’m glad that the employees posted excellent infographics on the site to illustrate the benefits of their refinancing.

To receive the minimum wage you will have to be an employee budgetary sphere or a salary client of the bank. In addition, it is highly advisable to take out insurance and/or financial protection. This will not only increase the importance of the client in the eyes of BinBank, but will also provide additional guarantees when repaying the loan. This is actually complete financial and physical protection of the client from force majeure. Although it costs a little more, the benefits are obvious.

6 Raiffeisenbank

The fastest loan decision
Interest rate: 11.99%
Rating (2019): 4.4

Raiffeisenbank is a very good option for refinancing consumer loans. He does not offer the largest amount - from 90 thousand to 2 million rubles. But it allows you to refinance a loan without the consent of the current lender and get additional money for consumer needs. It will have to be returned within at least 13 months. The maximum period is 5 years. The institution is ready to reduce the interest rate to 9.99% for the second and subsequent years of refinancing. But only if you connect a special financial protection program. Otherwise, the rate will remain unchanged.

The bank promises to consider the application within at least an hour, increasing the review period in rare situations. This is convenient when a solution is needed with maximum speed. Interestingly, the institution allows you to refinance up to 5 loans. But they must be different types. That is, it will not be possible to get refinancing of five credit cards or five consumer ones - a maximum of 3 regular or 4 cards is allowed.

5 Rosselkhozbank

The best conditions for salaried and public sector employees
Interest rate: 11.5%
Rating (2019): 4.5

Great offer, especially for holders salary cards and public sector workers. You can only get up to 750 thousand at a time. But there is no minimum amount limit. To get the minimum rate, you don’t need to be tricky – you just need to take out a loan and take out insurance for it. The money must be returned within 5 years. The bank is ready to provide the best conditions to public sector employees and salary clients. And if the borrower is “two in one”, then he can count on a rate of 10%, and not 11.5%, as ordinary people. In addition, these categories of clients can repay the loan in 7 years.

Unfortunately, you can only refinance three loans, so this option is not suitable for clients who are literally overburdened with debt. But Rosselkhozbank allows you to choose one of four payment days per month for maximum convenience. Important nuance– you can increase the loan amount for refinancing using the debts of co-borrowers. It is unpleasant that the loans selected for refinancing should not have been restructured or extended earlier.

4 Promsvyazbank

Possibility to postpone payments for 2 months
Interest rate: 10.4%
Rating (2019): 4.6

Convenient service and comfortable conditions are available for those who want to transfer loans to Promsvyazbank. You can repay the loan within 1-7 years. The minimum you will receive is 50 thousand rubles. The maximum refinancing amount is 3 million. Absolutely no collateral is required even for large credit amounts. The bank does not specify exactly how many loans it is willing to refinance. So if there are a lot of them, then it is better to clarify this point with the department.

I am glad that the institution provides additional service"Credit holidays" Within its framework, the client can defer payments for two months. Convenient if temporary difficulties suddenly arise. In addition, refinancing of extended or restructured loans is acceptable. It is only necessary that there is no current debt on them, and that there have been no problems with repaying the loan over the past 6 months.

3 Alfa-Bank

No imposed insurance
Interest rate: 11.99%
Rating (2019): 4.7

And one more opens the top three system bank countries with good reviews clients. Alfa-Bank offers quite favorable and convenient conditions for refinancing. The institution offers from 50 thousand to 1.5 million, which can be returned within a period of 2 to 5 years. You can refinance up to five loans or credit cards. The bank allows you to receive part of the funds in cash for own needs, and not just to close the refinance. I am glad that Alfa-Bank does not force clients to purchase insurance - the annual rate does not depend on it.

There is a small nuance. To obtain best rate, you need to take out at least 700,001 rubles for refinancing. From 250,001 rubles the rate will be 14.99%, and from 50 thousand – 16.99%. Salary clients and partner employees are provided with convenient conditions - they receive increased credit limit up to 3 and 2 million, respectively, and salary earners also have a repayment period of up to 7 years. In addition, rates for lower amounts are slightly reduced for them.

2 Sberbank

The most reliable and accessible bank countries
Interest rate: 11.5%
Rating (2019): 4.8

Most reliable bank countries with hundreds of branches in every city and positive reviews from satisfied customers. Getting a refinancing loan here will not be difficult; you don’t even have to look for a branch. Offers average rate for a loan with relatively good conditions. Allows you to borrow from 30 thousand to 3 million rubles for a period of 3 months to 5 years. A low minimum term is convenient if the amount is small or if you want to close the loan quickly.

The rate is fixed and depends on the loan amount. Up to 500 thousand it will be 12.5%. If you take more than this amount, it will be 11.5%, that is, the possible minimum. You can collect up to 5 credit cards or regular loans under the roof of one bank. It is interesting that Sberbank does not refinance its own credit cards, while cards from other banks do so without problems. So it’s worth taking this into account when applying for refinancing.

1 FC Otkritie

Best annual refinancing rate
Interest rate: 8.9%
Rating (2019): 4.9

The bank allows you to take out a loan to refinance one or more consumer loans on very good terms. In Otkritie you can get from 50 thousand to 5 million rubles, returning them within 1-5 years. In this case, you can collect up to 5 credits, including “card” ones. The bank also offers financial protection for the client for the entire refinancing period, which can be convenient in some situations. There are no fees or penalties associated with the offer.

Interestingly, FC Otkritie offers the best minimum rate among all banks in the rating - only 8.9%. You do not need to be a salary client or meet any other criteria. It is enough to be solvent and trustworthy. When applying for a loan for restructuring, the bank issues a gift plastic card. An important clarification: refinancing is not available to individual entrepreneurs and people who work for individual entrepreneurs.

The reasons for what happened can be different: loss of work, reduction wages, unfavorably drawn up loan agreement and other circumstances. There is an excellent way out of this situation - refinancing loans from other banks; we will consider the best offers of 2018 further, and you can choose the best program option for you.

Top 8 best banks with profitable loan refinancing program

Below we will analyze banks that refinance loans in the Russian Federation, consider their conditions, and compare offers. You can write an application remotely in a few credit institutions and find out which of them will approve your candidacy. So:

"VTB BANK OF MOSCOW"
Refinancing a loan with another bank gives you the right to find the most acceptable conditions for you, and this lender can offer a very interesting program: the amount is up to 3 million rubles, the rate for today has been reduced and is 12,9 % per annum, term - up to 5 years. Here, applications are approved for persons with Russian citizenship, aged 21-75 years, with at least 3 months of experience at their last place of work. They will refuse if there is a current delay and a debt of more than 30 days for the entire term of the loan. You can refinance credit cards, cash loans, mortgages, car loans.

"INTERPROMBANK"
Moscow Bank is engaged in refinancing several loans in any quantity, but in the amount of 45 thousand and above (maximum 1 million rubles). Loan term - from 6 months to 5 years, interest rates are low - from 12 % per annum. There is no need to pay insurance or commissions. This is the best lender for citizens (age 18-75, including pensioners), whose permanent place of residence is Moscow.

"ALFA BANK"
Here, refinancing differs depending on the status of the applying client. Salary card holders and employees of partner companies are given loans on more favorable terms ( low interest, longer term, larger loan size). We will take standard conditions designed for most borrowers: amount - from 50,000 to 3 000 000 rubles, deadline - up to 7 years, rate - from 11,99 % per annum, reference of up to 5 loans is allowed, including loans for cards, mortgages, consumer products and others. The bank has the opportunity to receive additional money in cash.

"BINBANK"
BINBANK also refinances loans issued by other banks to individuals on good terms. At the moment, the organization’s specialists are holding a promotion that is valid until the end of this year. In the case of obtaining a cash loan or refinancing an existing loan taken from another company, the banking institution provides 90 days of interest-free use of borrowed money. General terms: amount - from 50,000 to 2 000 000 rubles, deadline - up to 84 months. with a loan interest rate of 10,99 % per annum.

"SKB-bank"
The bank can combine and repay up to 10 loans received from other organizations. The offer is really profitable: the rate is from 11,9 % (the difference varies depending on the loan amount, you can take from 51,000 to 1 300 000 rubles), period - from 6 months. before 5 years. IN « SKB-bank » you can get some extra money.

"Sovcombank"
“Repurchasing” loans from this organization looks very tempting. It is possible to combine several loans into one; the borrower has the right to choose a debt repayment scheme (annuity/differentiated payment) and apply for a loan secured by an apartment. The most large sum among all banks from 700 thousand to 30 million rubles can be issued by attracting co-borrowers. The maximum term here is up to 360 months., rate - from 14,99 % in year. For state employees, salaried and “reliable” clients there are discounts that make the product more profitable. Credit line designed for residents in Moscow or the immediate Moscow region.

« Tinkoff Bank»
There is no direct consumer refinance program, but unique credit offers This bank makes the operation quite accessible. So, you can apply for a Tinkoff card, and the approved limit will allow you to cover part or all of your existing loans up to 1 000 000 rubles received from some other banks. Rate per year - from 14,9 % Moreover, a bad credit history has virtually no effect on the lender’s decision.

"HOME CREDIT BANK"
An application for loan refinancing through this banking company can be a 100% lifeline in a difficult situation. Total rate 14,9 % , amount - up to 1 000 000 rubles, deadline - up to 7 years. The new loan can be a refinance of a mortgage, personal loan, cash advance or auto loan.

In this section it is also worth mentioning the Housing Mortgage Lending Agency (AHML), which issues mortgages within government programs. The organization also has an offer to refinance existing mortgage debt, and here, perhaps, the most low rates(9.5 to 10.5%), term - up to 30 years, amount - from 300,000 rubles. But there are strict requirements for the loan: no restructuring, insurance premiums- paid on time, overdue by more than 30 days - no, number of payments made - 12.

The main advantages of refinancing a loan at a bank

Loans for refinancing other loans cannot be obtained from all banks, but in Russia the number of such institutions is sufficient to solve the annoying problem with debts. Let's first understand what refinancing is and what its clear advantages are.

A refinancing program is the issuance of a new loan in order to pay off current debt resulting from non-payment, for example, consumer loans, car loans, and mortgages. This procedure is popularly known as “on-lending” and here are its main advantages:

• More favorable lending conditions - low interest rates. So, if you initially took out a loan at a high interest rate due to an urgent monetary need, then now you can correct the mistake and competently refinance the loan.
• Possibility to reduce monthly payment. This way of refinancing will help make financial relief, because... The term of the new loan will be increased if desired, but remember that in this case no one canceled the overpayment.
• Combining all loans into 1 total product. Many citizens living on the territory of the Russian Federation have 2 or more credit obligations, moreover, issued by different banks. This is inconvenient, takes time to pay, and often leads to delays, so refinancing will make using the loan more comfortable. The correct name for such a combination is consolidation, and the loan itself is consolidated/consolidated. A consolidation loan can be of two types: secured and unsecured.
• Release of collateral from credit bonds. For example, a previously issued car loan secured vehicle, you can “outbid” with a product that does not require a deposit. This option is quite convenient when you urgently need to sell a car that is “under the supervision” of a banking organization. The same applies to mortgage agreements when we're talking about on the sale/donation of real estate.
• Changing the loan currency. This point is very relevant today, because... currency fluctuations lead to huge overpayments for borrowers. In rubles the debt becomes less than in foreign currency. The refinanced project will help make the conditions better than the previous ones.

Relending loans: are there any disadvantages?

If you decide to refinance a loan, we should immediately note that this is not a simple procedure, although it is tempting. There are some features that should definitely be taken into account, for example:

1. Refinancing small loans, for example, consumer lending on a card or in cash, is not very profitable. Benefits in the face of cumbersome obligations long term executions by type of mortgage products.
2. Additional expenses. Before submitting an application for debt reconstruction, bank clients need to carefully calculate everything (use credit calculator, it is on our website). Sometimes the seemingly low interest rates of a new offer do not pay off, because the bank can take Commission remuneration for his services, he will ask you to submit documents, the collection of which will lead to financial expenses for the client, etc. As a result, the loan refinancing program will not make any sense.
3. You can combine up to 5 current loans into 1 loan. This is the maximum number; if it is more, then you need to look for some other loopholes besides refinancing.
4. You must obtain permission from another lending bank. It turns out that not all bankers are ready to “donate” their client to a competing company. Therefore, sometimes it is not always easy to get the necessary document from them, but the chances are real.

Let's consider some more banks where you can refinance a loan

• "SBERBANK"
  This bank is the largest not only in Russia, but in the CIS countries. A consumer loan for refinancing loans from Sberbank is quite profitable: low and fixed rates - 13.9% and 14.9% (depending on the loan term), amount - maximum 3 million, repayment period - up to 5 years. It is permissible to combine up to 5 loans; you can take out an additional amount without increasing the loan payment per month. Sberbank specialists provide loans to individuals and individual entrepreneurs under this program without requiring guarantors, collateral, or commission fees.
• BANK OPENING"
  The banking institution’s line of offers includes a profitable “Mortgage Refinancing” program, which makes repaying a home loan less expensive for the borrower. A financial group can attract citizens under the following conditions: amount - 500,000-30,000,000 rubles (Moscow, Moscow Region, St. Petersburg, Leningrad region), 50,000-15,000,000 rubles (other regions of the Russian Federation), period - 5-30 years inclusive.
• "GAZPROMBANK"
  Consumer loans are easily refinanced by many banks in the country, but this lender is able to make the refinanced loan resistant to financial fluctuations. Here they offer special conditions for fulfilling obligations under other loan agreements such as: rate - from 12.25%, term - up to 7 years, amount - up to 3.5 million rubles. For registration you need multiple documents (passport, 2-NDFL certificate, insurance certificate, application form, etc. - the official website will inform you in more detail).
• "MDM" BANK
  The offer between the credit institution and the borrower is based on individual conditions. The interest rate will be at least 13% per annum, refinancing funds are provided in the amount of 30 thousand to 2.5 million rubles. But there is important point: for a requested loan in an amount over 750 thousand rubles, money is issued after the borrower provides a guarantor.
• "POST BANK"
  If you are looking for where refinancing is more profitable, then be sure to consider the program of a successful lender, which is Pochta Bank. Initially, you will need to leave your data in the form; a decision on your application will come very quickly. Conditions: rate - from 14.9% per annum, special offers for pensioners (low interest), bankers give out additional money in cash.
• "RAIFFEISENBANK"
  When refinancing a loan in this credit organization you will receive a significantly lower interest rate when considering home loans. The rate here is 10.5% per annum, the term is from 1 year to 30 years, and maximum amount is 26,000,000 rubles. You can manage your loan remotely through Raiffeisen Online.
• "RENAISSANCE CREDIT"
  This lender may also be surprised by its favorable conditions among organizations that operate in the refinancing segment. By contacting here, you can actually get a reduced interest rate of 19.9% ​​per annum. The loan amount reaches 500,000 rubles, repayment terms are at the borrower's choice: 18, 24, 36, 48 and 60 months. An online application sent to the bank will be reviewed within 10 minutes, i.e. already on the same day you will find out what the “verdict” will be on the loan in “express” style. Financial aid here it is issued without collateral or guarantors - with only two documents (passport and any other of your choice), and if you want an even greater reduction in rates, you will have to collect a certain package of certificates. If you have the appropriate parameters, the percentages will be slightly reduced.
• "ROSBANK"
  The program “Refinancing of consumer loans” in this bank is different for different categories borrowers (for salary clients and employees of partner companies, conditions are more favorable). For ordinary citizens they apply following conditions: amount 50,000-1,000,000 rubles, term - 12-60 months, rate - 15% - 17% per annum. It is possible to complete a transaction with a client who is overdue current loans, but insignificant.

How to get a loan for refinancing - general instructions

Are you already a client of one or more banks? This means they must understand the requirements of lenders for their visitors. Banks that refinance loans put forward the same requirements. They also need to know about your level of solvency, credit history status, etc. By the way, credit history in this case can be viewed from a different angle, i.e. a banking organization is able to make leniency and issue a loan to persons with a damaged reputation or minor delays (up to 25/30 days).

So, let's look at the step-by-step process:

1. Study the list of lenders who refinance debts, read reviews about their work on third-party resources. Further in the review, you can see the rating of in-demand candidates who provide the necessary assistance.
2. Contact the bank of your choice (someone else’s or yours) that, in your opinion, offers the best refinancing conditions. You can submit your application online via the Internet.
3. Collect the required number of certificates for the bank to assess your financial situation and wait for it to make a decision.
4. If you have chosen a new credit institution where you want to apply for a loan for refinancing, you will need to obtain a documentary agreement from your “native” lender to carry out this operation.
5. If approval is received from both parties, an agreement is signed, according to which all your old problems will be solved new loan OR, including organizational aspects.
6. If you decide to refinance with another bank, and current loan is collateral (mortgage with state contribution/support, car loan agreement), you need to re-register the object with a new banking company by re-registering the documents.
7. Having completed the re-registration, you can pay off the loan at a low rate, i.e. on more favorable terms.

Banks engaged in refinancing microloans

As for the microfinance market, there is a slightly different “kitchen” at work here. Banking organizations offering refinancing do not have a special program for refinancing microloans from microfinance organizations. However, situations are different, for example, there are 4 loans from different banks and 1 microloan from an MFO, but it is permissible to combine only 5 loans. You can try contacting one of the credit institutions and try to negotiate, but subject to compliance with all banking requirements to the borrower (good CI, availability of work, etc.).

In this article we will look at which bank is better to refinance a loan.

What does it mean this concept? The main essence of refinancing is that the client is issued a new loan on more favorable monthly payment terms. Payment payments may be reduced, and the loan term may be increased accordingly. This system is especially relevant for borrowers whose solvency is temporarily limited.

Lending rates are currently constantly falling, which means that many borrowers are considering refinancing. For example, it happens that an existing loan was taken out against high interest rates or the client has significantly deteriorated financial position. In any situation, refinancing helps you cope with a difficult task.

Why is this needed and where is it more profitable to do it?

Below we will tell you which bank is better to refinance a loan.

This measure helps to achieve following results:

• Rate reduction.
• Reduced monthly payments.
• Achieving consolidation of many loans into one.
• Release of pledges.

It’s clear to say what bank offer most beneficial, it is impossible due to the fact that for a particular borrower the advantages will lie in various aspects. For some, minimum rates are important, for others a large amount will be required, and still others want to extend credit periods.

Many people are interested in which bank is better to refinance a consumer loan.

Salary projects

In fact, the most favorable conditions for any banking services will be in the institution where the person receives his salary. It is for their clients that such organizations offer the best opportunities. Banks thus seek to attract and expand their base.

In the event that a person is a payroll client of a small institution that does not offer such a service, then the client should be guided by the type of his loan. Depending on the goals of the refinancing procedure, its conditions will also vary.

So, which bank is better to refinance a loan with?

Overview of banking institutions

If we talk about commodity, consumer or car lending, then debt can be reissued on good terms in the following financial companies:

• Promsvyazbank is an organization for government employees. This institution offers the issuance of amounts from fifty thousand to three million rubles for a period of up to 84 months. The rate ranges from eleven to eighteen percent per year, without insurance. Without obtaining collateral, you can combine POS loans with cards. Best bank To refinance a loan, everyone chooses at their own discretion.
• "Moscow credit bank» it is offered for clients to receive large sums up to two million rubles, which can be returned within fifteen years. In this case, the rate can start from eleven percent. An additional advantage there is no need for proof of income.
• Raiffeisenbank offers an amount ranging from ninety thousand to two million rubles for on-lending. The duration of the agreement ranges from one to five years. As for interest, it is 11% per year, but when the client refuses personal insurance, then a small increase works. Everyone wants to know which bank is the most profitable for refinancing.
• At Alfa-Bank, a borrower can count on a loan of up to one and a half million rubles for twelve to sixty months. The interest rate will vary from 11% to 20%, without compulsory insurance. Among other things, consolidation of up to five debts is possible.
• At Rosselkhozbank you can get up to one million for a period of up to sixty months, the minimum rate is eleven percent. There is a special program for owners of private household plots.
• Sberbank is ready to offer clients an 11.5% rate. Moreover, in this case, it will be possible to combine up to five different debts worth no more than three million rubles at once. The maximum period for return is up to five years. There is also a product for re-registration of problem debts.
• VTB 24 Bank has a similar on-lending program. This financial institution allocates up to three million at a minimum interest rate of 12.5%; the contract can be drawn up for a maximum of seven years.

Let's figure out which bank is better to refinance a Sberbank loan?

IN this year this bank announced a reduction in its lending rates. First, let's look at the conditions under which you can register in it today consumer loans and is it worth refinancing them later?

Consumer lending without collateral

Ordinary individuals who are not salary clients can receive loans from Sberbank without collateral or guarantors in the amount of up to three million rubles. From time to time, the interest on such loans is reduced as part of a promotion. But today the basic rates apply. The conditions are as follows:

• The age of the borrowers is from twenty-one to sixty-five years at the time of credit return.
• The minimum loan amount is thirty thousand rubles, and the maximum is three million.
• The validity period ranges from three months to five years.
• There is no loan fee and no collateral is required.

Consumer loans for salary clients

If a person receives a salary with a pension into an account at Sberbank, then he can be issued a cash loan in the amount of up to five million rubles. And most importantly, the likelihood of an application being approved for such persons will be higher than for any borrowers from the street. The conditions are as follows:

• The borrower must be between eighteen and sixty-five years of age on the date of repayment.
• The minimum amount is thirty thousand rubles, and the maximum is five million.
• The period for which the service is provided ranges from three months to five years.
• There is usually no fee for issuing loans.
• A guarantee is required from individuals who are citizens of the Russian Federation (no more than two people).

Loans secured by real estate

Loans secured by real estate are provided to those who are ready to pledge their property, for example, an apartment, a garage, a house, and it is permissible to spend money on absolutely any purpose. It can serve as an alternative to a mortgage without a down payment. In order to increase the loan amount, you can attract co-borrowers. The conditions are as follows:

• The customer must be between twenty-one and seventy-five years of age on the date of refund.
• Minimum amount are half a million rubles, the maximum, in turn, should not exceed the lesser of the value: ten million rubles / 60% of the value of the property that is registered as collateral.
• The period for paying the money is up to twenty years.
• Voluntary health and life insurance is provided in accordance with the requirements of the banking institution.

Basic conditions for consumer loans 2018

Today, in relation to consumer lending, clients are offered the following conditions and features:

• Loan sizes are up to three million rubles.
• Interest rates start from thirteen percent in rubles (and refinancing starts from 11.9%).
• Terms for which consumer loans are issued: 24, 48, 36, 72, 60, and 84 months.
• The period for reviewing documents is one business day.
• The period of validity of a positive decision is thirty days.
• No guarantees from third parties will be required.
• For those clients who have a positive credit history, it is not required to present a work record book or an agreement from the employer.
• Possibility of partial or full early repayment without commission.

Refinancing loans for individuals

When refinancing is required on a general basis, the following proposals must be considered:

• At Transcapitalbank you can receive an amount from five hundred thousand to ten million rubles. The repayment period ranges from one year to twenty-five years, and the interest rate is at least 7.6%.
• Interprogressbank will refinance at an interest rate of 8.20%. They allocate from half a million rubles, the terms can be up to twenty-five years for repayment.
• At Ural Bank, rates vary from 8.4 to 9.4% per year. The minimum amount issued is three hundred thousand. There is a long return period of up to twenty-five years.
• Finance company Otkritie can offer interest rates from 8.5 to 9.40%. You can receive amounts ranging from half a million rubles; they must be returned within up to thirty years.
• In "Moscow mortgage agency» clients will be able to refinance for up to thirty years. The starting rate is 8.70%.

Now it’s clear which banks refinance loans.

What should clients always remember?

It is necessary to ask bank employees in advance to calculate the final overpayment as part of the transition from a loan to another financial institution, since in addition to the main costs of repaying the loan, the citizen will have to incur additional costs for re-evaluation and insurance of his property when it comes to mortgage lending. Now let's move on to the reviews and find out the opinions of consumers on the issue of refinancing loans.

Which bank is better to refinance a loan based on reviews? Let's find out about this below.

Currently customer credit is one of the most popular banking services For Russian population. In order to reduce their own costs, a number of borrowers are looking for bank programs that can offer the lowest loan interest rates.

Any client request is considered by the bank on an individual basis. In this case, the creditor evaluates everything: the person’s age, work activity, marital status, income, whether he or she owns transport or real estate, existing debts, etc. All this is called scoring.

Let's figure out which bank has the lowest interest rates.

What does the loan interest rate depend on?

The credit interest is determined by a variety of conditions, for the most part it depends on the amount requested by the client and the time of repayment, on the presence of a guarantor or collateral. If the latter are present, then the rate will decrease, and the first two points will directly increase it.

How to choose a bank that will have the most favorable interest rates? First you need to understand exactly how much amount is required and for what time period. If a client needs a small loan, from one hundred to one hundred and fifty thousand rubles, then almost every bank can issue it without any problems. You will only need to confirm your income using a certificate in form 2-NDFL.

Which bank gives the smallest percentage is interesting to many.

Additional documents

If an amount in the region of five hundred thousand rubles is required, then the client will need a copy of his work record and a number of additional documentation: this could be SNILS, international passport, TIN, PTS, etc.

When a person counts on large loan from five hundred thousand rubles or more, then he must provide the bank with security in the form of a pledge of a car or real estate or by attracting a guarantor. If such conditions are not met, the organization will immediately refuse the client.

It is important to find out in advance which bank has the lowest interest rates.

Offers from banks

As soon as a person determines the amount of money he needs, he must study all the banking companies available in the city. This is done quite simply, you just need to enter a request for loans from banks in a particular city into the search bar of any browser. Already from the first links it will become clear which companies are nearby, as well as what the conditions they offer are.

In addition, you can try to submit applications to the following banks:

- “Renaissance Credit” - from 18.9% per annum;

- “Eastern” - from 15;

- Tinkoff - for fifty-five days - 0%;

- “Alfa Bank” - also 0%, but for sixty days;

- “OTP Bank” - from 14.9;

- “UBRiR” - from 15;

- “SKB-Bank” - from 19.9;

- “Sevcombank” - from 12.

It is best to take out a consumer loan from the following organizations.

"Orient Express Bank"

It is worth contacting here for those clients who want to receive a large sum by providing real estate they own as collateral. The maximum loan size can be up to fifteen million, the starting interest rate is from ten per year. The contract can be concluded for a period of up to twenty years. In this case, you must confirm your income without taking into account commissions.

"Sovcombank"

Has a rate of twelve percent per annum, most advantageous offer is “Cash”, intended for pensioners. Here they can approve no more than one hundred thousand rubles. Repayment must be made within one year. It can be difficult to determine which bank has the lowest interest rates.

For offers with a guarantee from Sberbank of Russia, the rate starts at 12.9 percent per annum. The client can borrow funds in the amount of up to three million rubles, with the maximum lending period not exceeding five years.

For certain categories of clients, which include public sector employees, interest rates from the Bank of Moscow are offered, starting from 15.9 per year. Large amounts of up to one and a half million are approved up to sixty months.

In “VTB 24” there is the possibility of obtaining a loan called “Fast”, fifteen percent per year, maximum size- up to one million rubles. Lending is carried out for a period of six months to three years, the smallest amount is one hundred thousand. Which bank has the smallest loan percentage is not an idle question.

Loan without collateral or guarantee

Without guarantors or collateral, a loan can be issued:

In "Renaissance Credit";

In "Russian Standard";

At Alfa Bank;

At UBRD;

At OTP-Bank;

IN " Orient Express bank."

It is most profitable to take out credit cards from the following banks:

- “Sberbank” - from 25.9 percent per year;

- “VTB 24” - from 28 percent;

- “Russian Standard” - from thirty-six percent.

If the client has a damaged credit history or does not have official employment, which can be confirmed with the help of certificates, then you should choose options for obtaining loans from companies that engage in remote work via the Internet. Such organizations include Touch Bank, Tinkoff Bank, Interactive Bank, etc., which send credit cards by mail.

In addition, there is also the possibility of seeking help from microfinance organizations.

Advantageous mortgage

The most favorable mortgages are offered in such banks as:

- "Sberbank of Russia";

- "VTB 24";

- "Absolut Bank";

- "Loko-Bank".

Other organizations offer higher interest rates. However, this does not mean that taking out a mortgage in them is unprofitable. The fact is that there are a large number of important factors. So, interest can act as a bait, and after signing the agreement you will need to pay additional payments and commissions.

Which bank has the smallest credit interest, we defined. What's next?

Ways to reduce loan interest

There are a number of conditions due to which customers can receive more advantageous offers:

Availability of property as collateral;

Salary or other card of the bank where the loan is issued;

Having a good credit history;

Certificate of income with receipt of large sums over a long period of time.

Information is constantly updated on banking websites, including loan interest rates. If they are low today, they may rise tomorrow, so you need to constantly monitor the relevance of the information on the websites of the banks of interest to the client.

Not everyone knows which bank has the lowest mortgage interest rate.

Refinancing

IN Lately Many borrowers have become interested in the issue of loan refinancing. This is due to the fact that either the loan was taken out on not the most favorable terms, or the borrower’s financial situation has currently changed. In this case, it is possible to refinance the loan.

Here are five in which you can refinance:

1. "VTB Bank of Moscow". It is a state bank, and therefore has very profitable lending rates. In addition, it offers the best conditions and small interest rates not only to representatives of the public sector, but also to clients of other organizations that work in various fields. Which bank has the lowest refinancing percentage is asked quite often.
2. Some of the best refinancing conditions are found in Alfa-Bank. This credit institution is experiencing accelerated development, and it is striving to get more clients, and therefore offers good conditions for refinancing. It is worth noting that the minimum rate here starts at 11.99 percent per annum.
3. A profitable on-lending program for Muscovites is available in "Interprombank". Residents of Moscow between the ages of eighteen and seventy-five can submit an application. Thus, the program also applies to pensioners.
4. In the bank "Tinkoff" Currently there is a unique program that is not available in any other Russian bank. Its essence lies in the fact that when you issue a card here and approve the required limit, you can repay a debt in another organization (microloan, credit or credit card). An undoubted advantage is that no interest will be charged on repaying the debt to another bank for four months.
5. "SKB Bank" provides refinancing for all clients with a positive credit history, including pensioners. The advantage is the possibility of attracting a co-borrower, thereby increasing the lending limit.

We found out which bank has the lowest interest rates.