Now many banks offer to refinance a loan for housing. The new service is becoming more and more popular with borrowers. Their target client is a person who took a high-interest mortgage during the crisis years of 2014-2015. At that time, the rates were very high, about 16-20%. In 2017, after reducing the refinancing rate to 9%, banking organizations significantly reduced the cost of mortgage loans.

In July, we analyzed mortgage refinancing proposals. We share the most interesting ones below.

Who can apply for refinancing?

It must be understood that when applying, banks re-evaluate the solvency of the client. Those. if the borrower's salary has decreased, or he quit (he went on maternity leave), then most likely he will be refused.

Important! A prerequisite for refinancing in most banks is that the apartment must be owned. If the house is still under construction and the borrower has only an equity participation agreement (DDU), then he will be refused almost everywhere.

Requirements for "re-borrowers"

All banks have a number of standard requirements, non-compliance with which will either lead to an increase in the annual rate or to a refusal:

1. Age from 18 to 50 years.
2. The presence of official work and certificate 2-NDFL. A certificate in the form of a bank or an application from an individual entrepreneur will increase the annual percentage.
3. Ownership of mortgaged property. The DDU agreement can be accepted only in a few banks.
4. The presence of a co-borrower. An optional wish, but in the case of a low official salary, it will become decisive.
5. No late payments in the last 12 months.

Best mortgage refinancing rates

• RosEvroBank offers one of the lowest rates - only 9.25%. However, to receive such interest, you need to pay the bank a commission of 4% of the loan amount. These conditions are not suitable for everyone. A similar offer from DeltaCredit and Rosbank banks is 9.5% per annum with a commission of 4%.
• Quite simple conditions for VTB24 bank. The organization offers to refinance mortgages at 11% (10.7% for payroll clients). The maximum commission can be 1500 rubles. for transferring funds to another bank.
• Until the end of 2017, Gazprombank has a 10.25% promotion for refinancing housing loans. The conditions are quite normal - you need to insure both the apartment and yourself against accidents and death.
• In Binbank, you can refinance at 10.5% if the loan is less than half of the value of the property.
• Otkritie Bank offers to refinance mortgages at 10%. Here it is also necessary to insure both mortgaged property and your life.

In Sberbank and VTB, as usual, conservative conditions, without "draconian" commissions with low annual rates. The largest bank in the country has just launched this service.

Underwater rocks

• When receiving a loan to refinance a mortgage, the borrower will not be able to issue a property tax deduction provided for in Art. 220 of the Tax Code of the Russian Federation. Thus, you can lose 260,000 and 360,000 rubles of deductions for the first housing and for bank interest.
• Inevitable additional costs for paperwork (including a notary), fees for interbank transfers and registration of a new mortgage loan.

For those who are going to reduce payments on a housing loan, experts recommend not to rush: in the fall, bankers expect a reduction in the key rate of the Central Bank (now it is 9%), and mortgages will fall in price after it.

The urgent need for money often forces borrowers to obtain loans on terms that cannot be called favorable. First of all, they are distinguished by a high interest rate and a short repayment period, which makes you think about refinancing.

From this review, you will learn about the best refinancing offers for individuals. individuals in 2019.

These loans are difficult to repay and may result in default by the borrower, resulting in negative consequences such as fines and penalties. It shouldn't be allowed. It is much better to find a financial solution that will be beneficial for the debtor himself.

With the help of refinancing in another bank, the situation can stabilize, and the debt can be repaid in full and ahead of schedule, which will significantly reduce the amount of expected costs for servicing the loan.

What is loan refinancing?

One of the financial instruments that allow to carry out on-lending to the client is the refinancing of the loan. In fact, this process involves obtaining a new loan, the terms of which are more favorable to the client.

A new loan allows you to close the current debt and get rid of the previous, less profitable loan, in full. When using refinancing, it is necessary to thoroughly study the terms of the proposed loan. Particular attention should be paid to the interest rate. It should be lower than the original loan. The time frame should be longer.

Clients often equate the concept restructuring with refinancing, forgetting that their essence is completely different. If refinancing is expressed in obtaining a new loan, then restructuring includes reissuing an existing loan obligation by establishing more favorable conditions.

Funds received from on-lending are of a targeted nature associated with the repayment of debts that have formed to another creditor.

Using the funds received under the new loan, you can do the following:

• refinancing of consumer loans;
• mortgage closing;
• return of funds to a credit card;
• car loan repayment.

The loan refinancing program can apply to those clients who do not have a delay in paying loan payments, and therefore, the issue of refinancing should be raised in advance.

As a result of refinancing, the client has the opportunity to:

• reduce the interest rate paid for servicing the loan;
• change the amount of the monthly fee;
• perform consolidation of several loans;
• withdraw collateral from credit collateral.

Clients who have significant delays in payments and never pay the loan cannot count on refinancing. In order to use the possibilities of refinancing, it is necessary to contact banking institutions. You can find out which banks are engaged in refinancing loans from this article.

Is it profitable to refinance a consumer loan?

The wide development of consumer lending was the reason for the establishment by financial institutions of various conditions for the provision of loans. And, if some banks continue to be guided by the principles of loyalty, then others do not limit themselves in the amount of interest rates, which gives rise to a certain number of credit defaulters.

The prevalence of consumer loans is justified by the fact that the provision of credit funds can be both targeted and non-targeted, and is aimed at:

• meeting the needs of the client;
• purchase of vehicles;
• mortgage.

Taking into account the fact that obtaining a new loan, with the help of which a previously received loan is repaid, the repayment terms of which are less favorable, can significantly reduce the monthly burden on the debtor's budget, increase the debt repayment period and combine the entire range of loan obligations in one, the indisputable benefits of refinancing can be argued.

Top 10 banks with refinancing offers 2019

It is possible to talk about whether refinancing a consumer loan is profitable based on information about the conditions under which the most popular banks provide funds for refinancing a loan. Fill out online applications and find out who approves and under what conditions.

Rosbank - on-lending at a lower percentage

Only 12% per annum, it is up to such an interest rate that Rosbank offers to its customers. Refinancing of any kind from mortgages and car loans to credit cards and overdrafts.

• Term from 12 to 84 months;
• Interest rate from 11.99 to 17% per annum (12% available for payroll clients, for the rest from 13%).

Requirements

• Citizenship of the Russian Federation
• Permanent registration in one of the regions where the bank operates.

Loan from Promsvyazbank with the possibility of lowering the rate to 6.9%

Great offer from Promsvyazbank. A loan with a decreasing interest rate and the possibility of refinancing other loans.

• Amount from 50,000 to 3,000,000 rubles;
• Up to 7 years;
• Rate from 6,9 up to 9.9% per annum.

Bonus! With timely repayment of the loan without delinquency, the maximum reduction in the initial rate by 3% (9.9% - 3% = 6.9%) by 1% each year is possible.

VTB Bank of Moscow - the best offer

Refinancing a loan at VTB Bank of Moscow is a reliable way to avoid delays. The bank is part of the VTB Group, which includes VTB 24 and Post Bank, which testifies to its reliability and state management.

The proposed rates used for refinancing are classified as the most favorable. The lender is ready to refinance loans issued by borrowers belonging to the group of state employees, as well as those clients who are employed in organizations of other forms of ownership.

Among the main conditions are:

• the rate set from 12.9%;
• return period up to 7 years;
• the amount provided - within the limits of 3,000,000 rubles.

In order to realize the possibility of on-lending, an online application must be sent by the interested person.

Foreign currency loans can be repaid with the agreed amount. Borrowers can use the opportunity to provide "Credit Holidays", subject to monthly payments for 3 months.

UBRIR - 13%

Loan "It's easy!" from UBRIR to repay existing consumer loans, credit cards in third-party banks. The offer from this bank offers, perhaps, the best rates on loans for refinancing.

Terms:

• Amount from 30,000 to 1,000,000 rubles;
• Term from 24 to 84 months;
• The rate is 13% per annum.

Requirements and documents:

• passport of a citizen of the Russian Federation;
• income statement for 2-NDFL or in the form of a bank for the last 6 months (Borrowers who are individual entrepreneurs, founders and co-founders of the enterprise provide a registration certificate and a tax return, including in the form 3-NDFL);
• the age of the borrower is from 21 to 75 years. on the loan repayment date.

Important! Application processing time is 1 day. Depending on the creditworthiness of the client, the rates will change: 15-19% with the possibility of reducing to 13-15% within two months.

URALSIB - minimum documents and 11.4%

Just one visit to the bank, just two documents, that's all you need to refinance a loan in URALSIB. The number of refinanced loans is not limited, the provision of additional funds for consumer needs.

• Amount from 35,000 to 2,000,000 rubles;
• Rate from 11.4% per annum;
• Term from 13 to 84 months.

Refinancing of the Rosselkhozbank loan

For its part, Rosselkhozbank also offers refinancing of loans from other banks. Honest and transparent working conditions have become the main principles of the work of this institution of the banking sector.

Already today, the refinancing of a loan at Rosselkhozbank can be performed, subject to the following conditions:

• the minimum rate is 13.5%;
• coverage level - 1,000,000 rubles;
• return period is 5 years.

The calculator, which is available on the bank's website, allows you to calculate the loan yourself, using the possibility of making differentiated and annuity payments. The choice of payment system is only used by a few banks.

The Bank refinances loans without certificates and guarantors, while providing the right to provide collateral and issue a guarantee.

Credits received in the state currency, euros and dollars are allowed for refinancing, provided that payments on such credits were made by the borrower during the year, starting from the date of receipt of the loan.

The application for refinancing will be approved by clients with a positive history of repayment of credit funds.

Interprombank refinancing for Moscow residents

Another proposal for refinancing loans from other banks is presented by Interprombank, a Moscow bank.

For residents of the capital and the region, the bank has developed a special and most loyal offer that will allow you to combine a number of loans with a high rate, as well as significantly reduce the cost of servicing them. At the same time, it is possible to increase the period of servicing a single loan.

The main principle by which an agreement or refusal to refinance is granted is the presence of a Moscow residence permit. The terms also apply to residents of the area.

Taking into account the interests of pensioners, the bank increased the age criterion of a potential client to 75 years, which allows the most vulnerable group of citizens to use their financial capabilities on an equal basis with people of working age.

Main criteria:

• application of the rate at the level of 12%;
• setting a return period from six months to 5 years;
• provision of funds from 45 thousand rubles. up to 1 million rubles;
• mandatory registration and residence in the capital and the region.

In addition to the refinancing itself, the bank offers customers to receive additional funds in the form of a loan provided to fulfill any conceived desires.

Refinancing a loan at Sberbank for individuals

A favorable offer from Sberbank makes it possible for a wide range of people, namely those clients who are classified as payroll, to refinance those loans that were received from other financial companies. Additional privileges are granted to civil servants and state employees.

Sberbank is ready to provide on-lending to those clients who have not previously cooperated with the bank. Special conditions have been developed for them.

Basic conditions for refinancing a loan:

• the minimum applicable rate of 13.9%;
• the time provided for the return is no more than 5 years;
• loan amount - no more than 3 million rubles;
• Consolidation of up to 5 loans received from other banks, including secured car loans.

Considering that Sberbank is included in the group of state-owned banks, we can safely speak about the certain status of the bank, its level of reliability, and the presence of permanent partners.

The application can be completed not only as a result of a personal visit to the branch, but also online, which makes it possible to obtain the required loan decision without leaving your own computer.

Refinancing program from Sviaz-Bank

One of the best offers of 2017 for refinancing loans from other banks was presented by Svyaz Bank. The procedure requires the provision of a loan agreement and a certificate of debt, indicating the bank details to which the newly received loan must be transferred.

Subject to refinancing:

• consumer loans;
• credit card debt;
• car loan balances.

The total loan amount can reach 3 million rubles, with a maximum term of 84 months. Interest rates are set individually. The rate ranges from 13.9%.

A nice bonus is the absence of the need to pay commissions and provide collateral.

To calculate the approximate amount of the fee for using the loan, you can use the calculator, which is available on the bank's page.

Alfa Bank refinancing loans from other banks

• Max. amount up to 4,000,000 rubles;
• Interest rate from 10.99%;
• Loan term from 1 to 7 years;
• Review in 15 minutes.

The institution is ready exclusively for refinancing targeted loans, namely mortgage lending. Some terms of provision are related to the fulfillment of additional requirements, namely, life insurance of the client, his health and the mortgage object itself.

If there is insurance, Alfa Bank refinances loans from other banks, setting an interest rate at the level 10,9% . Refusal of insurance serves as a basis for increasing the level of interest.

The mortgage refinancing bank set the minimum loan amount at 600,000 rubles. The maximum rate should not be more than 85% of the price of the property itself, which is the object of the mortgage.

You can get a bank decision on the possibility of refinancing after submitting an electronic application, as well as when visiting the institution on your own. Cooperation with a banking institution is one of the most acceptable ways to resolve the issue of refinancing and get rid of loans that have onerous conditions.

Bank Pervomaisky - help to repay loans in other banks

The offer from the Bank "Pervomaisky" is suitable for those who want to quickly "deal" with unsecured consumer loans, credit cards, overdrafts of other banks.

• Amount up to 1,000,000 rubles;
• Rate from 13.55%;
• Up to 60 months;
• Extra money for any purpose.

Requirements:

• Citizenship of the Russian Federation;
• A document confirming income, a document on the balance of debt under agreements subject to refinancing.

Important! The number of refinanced loans is not limited, the amount of monthly payments is significantly reduced, additional funds are issued for any purpose and a debit card as a gift.

Gazprombank refinancing up to 7 years

For those who have a consumer loan, service it without delay for at least six months, and will have to repay at least another six months, Gazprombank offers refinancing of loans from other banks with the appropriate purpose.

Clients are guaranteed the possibility of refinancing:

• with a term of up to 7 years;
• interest rate at the level of 12.25%;
• maximum amount up to 3,500,000 rubles.

The interest rate depends on the repayment period required by the client. Insurance is essential. Refusal to fulfill it entails an automatic increase in interest by 0.5 points. Offers for current customers may differ slightly from the conditions that apply to cooperation with new customers.

You can make an approximate calculation of the total cost of the loan received using a special calculator posted on the bank's website on the Internet.

Post Bank - on-lending

Making loans in a hurry often leads to the discovery of pitfalls in loan agreements, high fees for servicing the loan, which can significantly affect the financial situation of the borrower. You can get rid of such loans only by paying them off in full.

You can speed up repayment by refinancing such a loan. Post Bank refinances loans from other banks, which allows not only to reduce the amount of overpayment, but also to combine all existing obligations into one, using the most loyal return conditions.

The Bank is focused on working with various groups of the population, paying special attention to such categories as pensioners. Special programs have been prepared for them, allowing them to carry out the most profitable refinancing.

The standard interest rate is fixed at 12.9%. The final conditions for pooling loan obligations are determined individually, depending on the information obtained from the client's documents.

Binbank - lowers the rate in 2018

The list of banks ready to refinance the obligations of existing and potential customers also includes Binbank. Offered conditions include:

• interest - from 14.99%;
• return period - no more than 7 years;
• amount - within 2,000,000 rubles;
• collateral is missing.

Loans in the national currency are accepted for refinancing, subject to at least three payments being made and the balance of the debt from 30 thousand rubles.

Transparent conditions, simplicity and reliability of the bank provide it with a large number of new customers.

Raiffeisenbank refinancing at a rate of 10.5% per annum

Focusing on mortgage lending, Raiffeisenbank refinances mortgage obligations, along with loans without a specific purpose.

When refinancing a mortgage, a rate of 10.5% is applied (9.99% from the second year). Clients with other types of loans (except for those issued for the purpose of doing business) can receive a new target loan with an interest rate of 17.25%.

Consultations regarding refinancing issues are provided in any way convenient for the client:

• by telephone communication (customer contacting the call center, callback);
• in online mode;
• at the individual address to the branch of the bank.

SKB-Bank - combine all loans into one

Do you have high interest loans and installment purchases? Tired of keeping track of your monthly payment schedule? Combine loans from other banks and reduce the payment on them! Refinancing consumer loans at SKB-Bank is a great way to combine up to 10 loans and cards into one and pay less.

Refinancing terms:

• Amount from 30,000 to 1,300,000 rubles
• Early repayment without restrictions and commissions
• Fixed rate on the loan 11.9% per year
• Up to 60 months
• Security NOT REQUIRED
• Application processing time from 1 to 2 days
• It is possible to attract 1 solidary borrower to increase the maximum loan amount

Requirements for borrowers:

• Age from 23 to 70 years
• Citizenship of the Russian Federation
• At least 3 months of work experience in the last job

Important! The loan amount cannot be less than the amount of debt under loan agreements subject to refinancing, plus 3%. The maximum loan amount depends on the solvency of the Borrower, Co-borrower (if any). When refinancing a loan opened with PJSC "SKB-bank", when determining the amount of a new loan, 3% is not added, only the amount of the principal debt is subject to refinancing. The amount remaining after refinancing is used by the Borrower for consumer needs.

In December 2016, the Board of Directors of the Central Bank of the Russian Federation decided to leave the key rate unchanged. It was fixed at 10% per annum until the end of the first half of 2017. But at the beginning of the year, the rate was 11%, and in 2015 it reached a record high of 17% per annum in rubles. Its size directly affects the terms of consumer lending, because the key rate is the percentage at which commercial banks receive loans from the Central Bank of Russia.

That is why, since the middle of this year, lending conditions have softened, interest on loans has gradually decreased, and it has become more profitable to get a loan from a bank for a car or purchase of household appliances. But what about those who made a mistake and took out a loan in the midst of a crisis? Refinancing will help ease the financial burden!

Refinancing is getting a loan from one financial institution in order to repay loans received from other banks. The purpose of refinancing is to obtain a new loan on more convenient terms (with a lower interest rate, for a longer period, with a change in the type of payment, etc.). In other words, the process of refinancing is the receipt of a new loan in order to repay the old one and for the benefit of the client.

You can “refinance” a loan simply by getting a new loan from a financial institution (both third-party and the same). But this method has nothing to do with real on-lending programs, the main feature of which is the use of a reduced rate. The client can independently find a financial institution that provides loans at rates lower than the current loan and calculate the benefit using a loan calculator.

But in this case, the rates will be in the range of 15.9 - 20.9% or more (as an example, the conditions for consumer lending of Sberbank as part of the New Year's campaign 2017 were used). With full refinancing, the rate is equal to a maximum of 18.9% for individuals who are not participants in the salary project and receive a loan in the amount of less than 300 thousand rubles. for a period of 2 - 5 years.

Not every bank agrees to voluntarily incur financial losses, so most often repeated loans are taken from third-party financial institutions. Any refinancing program is designed to lure customers. Thus, VTB24 and Sberbank specialize in on-lending consumer loans. You can also get funds for refinancing at Sberbank and Rosselkhozbank.

Getting a loan to pay off a debt to another bank takes place in several stages:

• collection of documents on current debt (contracts, notification of the full cost of the loan);
• passport of a citizen of Russia;
• certificate of income for the previous six months (2-NDFL, in the form of a bank, etc.);
• loan application.

The requirements of banks in this case differ slightly and are reduced to the following list:

• the remaining loan term in a third-party organization is more than 3 months;
• loan currency - Russian rubles;
• absence of overdue payments for the previous six months;
• monthly debt repayment.

In some cases, the amount of a re-received loan cannot exceed the amount of residual debt to another financial institution (relevant in the case of mortgage, car loans). The newly received funds are not issued to the client: the lending bank independently transfers money to the client's account in another organization. Refinancing can be a means of alleviating the financial burden, as well as an opportunity to receive additional funds for current needs (if the possibility of obtaining funds on hand or a personal account is provided for by the agreement).

Refinancing has obvious advantages: it makes it possible to pay off a debt to another bank, combine several loans (when receiving funds to repay loans from several banks), reduce the monthly payment by extending the loan term, lowering the interest rate, etc. But there are also disadvantages - an increase in the actual term of the loan and, as a result, the final overpayment. If you took a loan from institution A for 5 years, paid off the debt within 2 years, and then refinanced at bank B for another 5 years, then de facto you will be a debtor for 7 years, which means you will overpay much more than you planned .

Features of refinancing consumer and car loans

Refinancing of consumer loans is one of the most popular services, but not the most convenient for banks, since we are talking about small amounts and short loan repayment periods. It is worth refinancing such loans in case of serious financial difficulties, when a significant reduction in the amount of the monthly payment is required. At the same time, it is important to calculate the real benefit, not forgetting to take into account the overpayment for the entire period of using credit funds and the need for re-insurance of credit risks (without this condition, most banks will refuse to issue funds).

The service of refinancing car loans is in demand among Russians. Re-lending takes place according to the following schemes:

• classic (the borrower receives funds from a third-party bank, while the car remains pledged, but from a new financial institution with the need to purchase CASCO and other integral conditions of a targeted loan for the purchase of a car);
• Trade-In (after a preliminary assessment, the cost of a loan car that goes to the dealership is counted as the first installment when applying for a loan for a new car).

At the height of the crisis, auto loan refinancing was in high demand due to the ability to change the currency of the loan. In this case, both the client, who is no longer afraid of the depreciation of the ruble and the appreciation of foreign currencies (US dollars or euros), and the bank, which benefits from higher interest rates on loans in rubles, win at the same time.

In many banks, you can get a loan to refinance car loans without pledging the car. The borrower receives the money, transfers it independently or through a new bank to pay off the debt. Then he receives confirmation that the loan in the previous financial institution is fully repaid, and provides it to a new bank.

After the full repayment of the car loan debt, the client is issued with a title, and he becomes the full owner of the car with a consumer loan in a new bank. However, the conditions for refinancing in financial institutions vary, and if a new loan is not issued on hand, and settlements are made directly between banks, the car will still remain collateral. Subject to the mandatory presence of the car as a pledge, the bank has a high probability of re-passing the insurance procedure (purchasing CASCO), because each bank works with a list of insurance companies accredited in it.

The best offers of banks

The best offers for refinancing consumer loans come from the following banks (as of early 2017):

• Rosselkhozbank (up to 1 million rubles, from 12.9%, term - up to 5 years);
• VTB24 (up to 3 million rubles, from 13.9%, term - up to 5 years);
• Sberbank of Russia (up to 1 million rubles, from 13.9%, term - up to 5 years);
• Rosbank (up to 1 million rubles, 14 - 17%, term - up to 5 years);
• Binkbank (up to 1 million rubles, from 13.3% in the first 3 months (from 15 to 24.5% during the rest of the loan term), term - up to 7 years).

The listed banks provide consumer loans to refinance targeted loans (including car loans), as well as non-targeted loans (including overdrafts and credit card debts). When making a request for funds, you can specify an amount in excess of the current debt. If the loan is approved, the lender will transfer part of the amount to the client's account in a third-party bank, and the rest will be given in cash, transferred to a personal account or bank card for further spending at the discretion of the borrower.

A confirmation of the intended use of funds in a number of banks (Sberbank, VTB24, etc.) is a certificate issued by the primary creditor. This document must be certified by the seal and signature of the bank employee who initially provided the loan (consumer or car). The certificate of repayment of the loan must be presented to the new bank no later than 45 days from the date of drawing up the loan agreement. Otherwise, the reduced interest rate will not be applied to the loan issued.

How to refinance a mortgage?

Refinancing a mortgage loan at a lower interest rate in 2017 is especially in demand due to the reduction in the target rate of the Central Bank of the Russian Federation and the easing of conditions for issuing loans for the purchase of real estate compared to the period of 2015 - early 2016. The offers of banks in this segment are quite diverse:

• Gazprombank (up to 85% of the assessed value of real estate, from 11%, up to 30 years);
• Raiffeisenbank (up to 60% of the assessed value of real estate, from 10.9%, from 1 to 25 years);
• MTS Bank (up to 25 million rubles, 0.5 - 2% less than the current rate, from 3 to 25 years);
• AbsolutBank (up to 70% of the assessed value of real estate, from 11.9%, up to 25 years).

In a number of banks, the rate can be further reduced by 1% after the submission of documents confirming the registration of a mortgage in favor of the lender with the removal of the encumbrance by the primary lender bank. Payment for the services of an appraiser who determines the value of real estate transferred as collateral to a new bank is made by the borrower.

When refinancing mortgage loans, the client undergoes a mandatory insurance procedure against the risk of damage or loss of real estate, as well as the risk of termination of property rights. Voluntary types that will increase the borrower's chances of obtaining a loan include disability insurance, property insurance and civil liability insurance.

Policies submitted to the bank for consideration must meet its requirements for insurers (you can get acquainted with them at branches or on the official websites of credit institutions). Please note: risk insurance provided by the refinancing program affects not only the approval / refusal of the bank, but also the interest rate.

List of documents accepted for consideration by secondary creditors:

• a copy of the Russian passport;
• certificate of income in the form of 2-NDFL or the form of a bank;
• copy of SNILS;
• loan agreement with the primary lender;
• reference from the primary lender on the borrower's credit history;
• certificate of the balance of the debt;
• written consent of the bank to conclude a secondary pledge.

The prolonged crisis in the country and in the world this year will force many borrowers to revise their loan agreements and apply for refinancing to another bank. However, it is worth exploring refinancing loans from other banks best offers 2017.

Why is refinancing beneficial?

In fact, a refinancing loan is a banking service provided by a credit institution to repay an existing loan on more interesting terms for the client. It has its pros and cons.

The refinancing service has the following advantages over existing loans:

- repayment of debt to one bank;

- Consolidation of existing loans into one;

— reduction of the monthly payment by increasing the repayment period;

— reduction of the credit rate;

At the same time, the program has a minus:

— an increase in the overpayment on the loan if the product is issued for the maximum period.

At the same time, if a person intends to take a loan to pay off the debt of a third-party bank, then the loan amount should not exceed the balance of the current loan. And the issued amount is not subject to issuance in hand. Upon execution of the contract, the amount is sent immediately to the primary bank, unless otherwise provided by the contract.

The procedure for obtaining refinancing in 2017

When contacting a bank branch, you should have a package of documents with you. Each credit institution puts forward its own requirements, but the standard set is common to all: the original passport and its copy, the work book and its copy certified by the employer, a certificate in the form 2-NDFL, as well as a valid loan agreement.

Refinancing in 2017 requires customers to be responsible for banking products, so serious companies do not issue loans to people with a bad credit history. To prove its integrity, the borrower must submit a payment schedule and copies of documents confirming timely payment.

Need to be sure that the application for refinancing will not be rejected? Before contacting the bank, it is worth checking your credit history yourself. Otherwise, the company has the right to refuse to provide a loan due to a damaged credit history, and accept a new application only after a month.

In addition, before leaving documents for refinancing, you must contact the organization where the primary loan was taken. Notify employees that early repayment of the loan will be made. The specialist will provide the account details.

After all the nuances are settled, you can proceed to the procedure. The new lender provides an indicative repayment schedule, the client fills out a questionnaire, and the application, along with the documents, goes into processing. The borrower's credit history, reliability and solvency are checked, and the processing result is sent. In case of a positive answer, the contract is filled out, and the organization transfers funds to the account of the previous creditor.

:

1. Rosselkhozbankcurrently represents the best interest rate for refinancing -13.5%; The maximum loan term is 12 months; Limit in monetary terms 1,000,000 rubles; Application decision: 3 days; Rosselkhoz has prepared another advantageous offer for owners of personal subsidiary plots. It has no limit on the amount, the rate is 14% per annum, the term limit is 12 months;

2.Sberbank of Russiamakes similar demands: a rate of 13.9%; The limits are the same, but the period for consideration of the application is one day less than in the previous paragraph;

3.VTB Bank of Moscowis in great demand among users, it provides its services from 13.9% per annum for a period of up to 84 months; The amount is limited to 3,000,000 rubles; Approval takes 3 days;

4.Bank Russiamakes an offer from 14.25% to public sector employees; Maximum term 12 months; Maximum amount: 3,000,000 rubles; Decision making: 10 days;

5. Bank Uralsib: 14.9% per annum; Period: up to 84 months; Money limit: 1,000,000 rubles; The decision on the application is communicated on the same day;

6 Sviaz-banklends to its clients at the same rate for 84 months, but the maximum amount allocated by the organization is 30,000 rubles; Approval takes 2 days;

7. BinBankoffers 14.99% per annum; Return: 84 months; Amount limit: 500,000 rubles; It takes 3 days to decide. In the same institution there is an offer for state employees. They are invited to refinance at the same rate and terms, but the limit has been increased to 1,000,000 rubles;

8. VTB 24indulges its borrowers with an attractive cash limit of up to 3,000,000 rubles. at a rate of 15% and a period of 5 years; Loan decision is made within 5 days

Before applying for refinancing, we recommend that you check your credit history.
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Refinancing loans from other banks best offers 2017 was last modified: August 1st, 2017 by Alexander Nevskiy

Do not know which banks do loan refinancing for an individual? How to highlight the best offers of 2019 from all the variety? After reading this review, you will find out: in which bank it is profitable to apply for refinancing consumer loans from other banks! The list was compiled by an independent expert in banking products and part-time author of a financial blog! Therefore, it will be interesting!

Due to the gradual decrease in interest rates on loans, for many borrowers there is an acute issue of refinancing their loans, which were taken in previous years. Most often, refinancing a loan at another bank is due to 2 main reasons: either a high interest rate was taken on a valid loan, or now the borrower's financial situation has changed and it has become much more difficult to pay under a loan agreement. In this case, it will be beneficial to refinance your loan obligations and save on interest and monthly payments. In this article, I will tell you where it is best to refinance loans from other banks and what conditions are most beneficial for individuals in 2019.

Why refinance loans from other banks?

To begin with, let's decide how a new loan can help us to pay off old loan obligations in other banks. What are the advantages of refinancing programs for us, individuals:

1. Reducing the interest rate on loans. As I said above, if you took out a loan on conditions that are not very favorable for yourself, then refinancing is a way to correct your mistake and save on interest. But there is a nuance here. The fact is that most banks issue loans under a system of differentiated payments. What does it mean? This means that, at the beginning of the loan repayment, for example, in the first 3-6 months, the main share of interest is paid. And then the main debt is already paid. Therefore, I recommend that if you do refinancing in order to lower the rate, then it is better to do it as early as possible. When there are several months left before the end of the loan term, then there is no point in refinancing in order to save on interest. But if you need extra cash, then refinancing is fine.
2. Reduce your monthly loan payment. Anyone can get into a situation where the financial situation changes dramatically. And of course, this affects your ability to pay your credit obligations. In order to avoid delays and in order to make it more comfortable to pay your loan, you can use the services of banks for on-lending. In a new loan, you simply increase the term, and the payment becomes smaller. But here do not forget about the other side of the coin - overpayment.
3. Consolidation of several loans into one. Most borrowers in Russia have two or more loans. And loans, as a rule, in different banks. This is not very convenient, because you have to pay 2 or more times a month. And this takes our time, which can be usefully spent in other ways. In such cases, people are also considering refinancing to combine all loans and pay only one.
4. Release loan collateral. In this case, a car loan secured by a car or a mortgage can be refinanced with an unsecured loan, and thereby free the collateral from loan obligations. This is very convenient when you need to sell your car or apartment, which are pledged to a credit institution.

TOP-7 banks for refinancing loans to individuals

After analyzing a lot of offers for individuals by well-known banks in the country, I came up with a list of 7 best banks offering the most favorable conditions for refinancing, on-lending and consolidating consumer loans, including credit cards, mortgages and microloans. Anyone who wants to apply for refinancing, I strongly recommend that you first familiarize yourself with this rating, compare and choose suitable conditions for yourself and, without delay, leave an online application via the Internet.

The best offer of 2019 — refinancing at Alfa-Bank

In 2019, the refinancing program from Alfa-Bank is very popular. This credit organization is developing at a very fast pace and seeks to attract as many customers as possible, offering very favorable conditions. And of course, this 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 interest rate on the loan from 11.99%. Calculated individually.
• Term from 1 to 5 years. For payroll clients, the maximum term is 7 years.
• The loan amount is from 50 thousand to 4 million rubles.
• Security is not required (no collateral, no guarantors).
• Do not lend to IP owners.
• Refinancing is possible for all types of credit products, including microloans from MFIs, car loans and mortgages.
• A single application for refinancing and additional money (if necessary).
• Decision on the application online in 15 minutes!

Refinancing of consumer loans in Moscow from Interprombank

Looking for where to refinance your loans in Moscow and the Moscow region? The program for refinancing loans in third-party banks from Moscow Interprombank is considered one of the most interesting for residents of Moscow and the region. Only residents of the capital and the Moscow region aged 18 to 75 can leave an application here. Thus, even pensioners up to 75 years old can refinance a loan here.

Conditions for refinancing loans at Interprombank

• Loan rate from 11% (minus 1% after the completion of refinancing)
• The term of the new contract is from 6 to 72 months.
• The loan amount is not less than 45 thousand rubles and not more than 1.1 million rubles.
• Registration and residence must be in Moscow or the Moscow region.
• Having issued a loan under the refinancing program at Interprombank, you can combine all your loans and pay only one monthly payment. In addition, if your credit history allows, then you will be offered additional money for any purpose.

Favorable refinancing without certificates and without interest for 120 days

Tinkoff Bank now has unique conditions that no bank in Russia offers. the peculiarity of the conditions is that if you draw up a card in Tinkoff and the necessary limit is approved for you, then you can pay off the debt in another bank (credit, microloan or credit card) completely free of charge with this money. And the main advantage is that the transferred amount of debt from another bank will not accrue interest on your Tinkoff credit card for 120 days (4 full months)! This is a great way to refinance your consumer loans in third-party banks. If you have a mortgage loan, then use another offer - Tinkoff Mortgage .

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

1. to a Tinkoff credit card and get 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, say that you want to transfer the debt from another bank.
4. It will be necessary to provide the Tinkoff operator with the details for transferring money to another bank.
5. Within 1-2 working days, the bank will transfer money from your Tinkoff credit card to pay off the debt in another bank. And you will receive a 4-month interest-free period on this amount of debt.

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

Refinancing loan from UBRIR according to passport and income statement

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

Conditions of the offer in UBRIR

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

Refinancing loans from other banks without collateral and guarantors at Rosbank

Another bank that refinances consumer loans to individuals is ROSBANK. A credit organization makes it possible to repay existing loan obligations in another bank with a new loan, which will allow you to reduce the rate, payment, release collateral in another bank, combine several loans into one, or receive additional money for any other purpose.

If you look at the refinancing conditions that Rosbank offers to individuals, they are one of the most profitable:

• Low interest rate — from 11.99%.
• Large amount up to 3 million rubles.
• The maximum term is 60 months for new clients, 84 months for salaries.

Favorable conditions for refinancing from Raiffeisenbank

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

On the bank's page, you can find out detailed conditions, calculate the feasibility of combining loans using a calculator and send an application. And in a few minutes you will receive an online solution.

Terms of the offer at Raiffeisenbank

• Favorable rate of 10.99% from the second year, 11.9% in the first year.
• If within 90 days you do not close the loans for which you refinanced in Raiffeisenbank, then the interest rate may be increased by 8 percent.
• Combine 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. — just a passport!
• Individual entrepreneurs are not credited.

Refinancing loans from other banks online from MTS Bank

MTS Bank today offers to refinance all your loans in other banks and combine them into one loan at a favorable lending rate. You can refinance at MTS Bank a cash loan, credit cards, a loan for goods, a car loan. An application for refinancing is sent online, and the decision will be known almost instantly (within 1 minute). If approved, to receive money, you must contact the bank branch or the nearest MTS salon.

Briefly about profitable refinancing of loans from MTS Bank

• The interest rate on the loan is from 9.9 percent per annum.
• Term up to 5 years.
• Amount up to 5 million rubles.
• The ability to repay loans in other banks, as well as receive additional funds for any purpose.
• The age of the borrower for registration must be at least 20 and not more than 70 years old at the time of application. That is, both students, individual entrepreneurs (IP) and pensioners can apply for refinancing at MTS Bank, provided that they have a constant source of income.
• The loan you want to repay must be issued more than 6 months ago.

Where and how to refinance a loan if they refuse

Very often, it is those who today are experiencing problems in paying current debt obligations who want to refinance their loan. That is, a person is already overdue on a loan and he is trying to find where to refinance it. This is a fairly common situation and therefore it is necessary to clearly understand how to get out of this situation. As a person who has worked in the credit department of a bank for 10 years, I can say what needs to be done:

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

Below are 8 profitable banks that provide cash loans for any purpose, including refinancing loans from other banks. To obtain this type of loan for refinancing, you do not need to collect certificates of loans from other banks.

1. Housing Finance Bank- for those to whom banks refuse to refinance. In a credit institution, you can get a loan for refinancing without refusal on the security of an apartment! Great refinancing option for those with bad credit!
2. — a consumer cash loan at a favorable interest rate for those who want to refinance loans in other banks. If you are a state employee, then feel free to send an application to this bank. The Bank is loyal to this category of borrowers!
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 just by UBRIR bank.

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