Refinancing loans with a high percentage of approval. Refinancing loans

Which banks are engaged in refinancing loans Almost everyone has loans. And some people quite calmly apply for three or even four loans. Alexey, one of my comrades, did the same.

Gradually, his life began to collapse - divorce, illness of his parents, due to the crisis he was laid off at work. There was enough money for life, but the loans collected earlier ...

In the end, he got to the point where he thought about another loan to pay off existing ones.

Moreover, the interest rate of the new one was significantly lower than that of the old ones! This is called loan refinancing. Let us consider in detail which banks are engaged in refinancing loans.

If you took out a loan from any bank for a long term, this does not mean at all that you will definitely cooperate with them all this time. Other banks would like to see you as a client too. And even if you don't need another loan, they will gladly take this one.

What is refinancing

For this, you may be offered a lower percentage and more favorable conditions in general. They will give money to repay a loan in the previous bank so that all your debts go to a new bank.

So, if it is hard for you to live with your debts, then borrow elsewhere.

If there is a delay

It sometimes happens that, for reasons beyond our control (or sometimes beyond our control), it is not possible to make the next loan payment on time. Before you find out which banks are engaged in refinancing late loans, answer one very important question:

Why did it happen?

The reasons can be very different, stupid or serious, valid and not very good. But, in any case, the record of your delay automatically goes to the Bureau of Credit Histories and this very credit history spoils you. Even if you just forgot to take into account some commission and did not pay 2 rubles in addition.

How to fix everything

The worm in my head is probably gnawing so disgustingly and squeaking disgustingly: "You should have thought before!" But it happens. It's too late to think earlier, but it's time to think about further actions.

The first thing you need is an explanation about your debt. The more certificates and documents you can get in your defense, the better. These can be account statements as proof that your paycheck has been delayed, or certificates from a doctor or hospital.

Together with the explanation, go to the bank to pay all late fees. There you can also discuss the possibility of refinancing, perhaps the bank will not want to lose a client due to nonsense (if the delay was due to nonsense) or will enter your position and accept your sincere desire to honestly repay the debt further.

Warning!

In a new, different bank, you are unlikely to be happily greeted with a huge number of offers, but they will not be deployed on the doorstep either. In the same way, you will need to provide explanations about the delay and convince the bank that this will not happen again and you can be counted on.

To be more convincing, you may need to leave a deposit or find a guarantor, then the chances of refinancing increase.

And fix your credit history, fill it with good records. For example, this can be done by taking small and quick loans and repaying them successfully on time.

Fast loans for a small amount are issued without a thorough check, so they can be obtained even with a not very good credit history. But the record of their successful redemption will appeal to larger organizations.

Where to go?

It is not so difficult nowadays to find which banks are engaged in refinancing loans, it is more difficult to say which ones are NOT doing this yet.

Your choice may be limited only by the type of loan, since in some places they will not take on a mortgage, and at the same time in other banks they just wait for it.

Advice!

First of all, contact the bank to the account in which you receive your salary and whose client you are already. There you will not be a "man from the street", you will have a little more trust and, possibly, more loyal conditions.

I hope these tips will help you improve your current situation and prevent delays in the future. Protect honor and credit from a young age.

source: http://finvestment.ru/

Relending. Various ways to refinance

There are several on-lending schemes. We proceed from the fact that the creditor bank that issued the loan does not need to change the borrower's rate on the loan already issued.

The borrower needs refinancing, but not the lending bank that issued the loan to the borrower. Moreover: it is good for the bank: the loan is issued, the borrower pays regularly. The higher the rate of the borrower on the loan, the more money the bank will receive. What? The borrower wanted to refinance the loan? Does he want the bank to feel better?

The bank that issued the loan to the borrower (the primary lender) does not want to lose a profitable client. Therefore, in every possible way it prevents another bank from refinancing a loan. And various ways of refinancing, in fact, are ways to get around the bank's reluctance to let go of its client.

Refinancing "curve pattern"

To implement it, you need a "kind uncle". If there is a "good uncle", then everything is simple:

1. The Good Uncle gives money to pay off his bank.
2. You pay off the loan to your bank.
3. Withdraw the deposit from your property.
4. On the security of your real estate, you take a loan from another bank, where the interest is lower, and the conditions are better
5. You return the money to the "good uncle".
6. Then you pay off the loan with a new bank.

The advantages of such a refinancing scheme: the choice of banks issuing loans secured by existing real estate is quite large. There are more of them than those that have really working refinancing programs. You can choose a program with more favorable conditions than those provided by refinancing programs.

Cons of the "curve scheme" of refinancing: for its implementation you need a "good uncle". First, this "good uncle" needs to be found. This is not easy. (Still: there are few people willing to provide a large amount of money even for a short (two months) period, without any security).

And therefore, even if this "kind uncle" is found, it may turn out that he is not so kind. (Still: although he gives money, he requested such an interest rate for using his money that no refinancing is needed!)

Classic refinancing scheme

The new bank gives money to pay off the old creditor bank with this money.
That is, no "kind uncle" is needed. The bank simply gives money and takes an obligation from you to mortgage an apartment (or other real estate) when you pay off your “own” creditor bank.

Technically it looks like this:

1.You go to a new bank, submit documents confirming your solvency and you receive a decision of the credit committee that the bank is ready to provide you with a loan. The loan amount is indicated in the decision of the credit committee.

Attention!

The loan amount depends not only on your solvency, but also on the value of your apartment. Therefore, an apartment must be appraised in advance by an appraisal company accredited with a bank, whose appraisal is trusted by the bank.

2.In "your" bank you write a statement, with a request to accept from you a sum of money in the amount of the balance of your debt to the bank.

3.Your bank, in turn, agrees to accept the amount of money on account of early debt repayment.

This consent is necessary so that it does not happen that you take out a loan from a new bank, pay interest on it, but you cannot use it for its intended purpose, because your bank is not ready to accept money from you on account of early repayment.

4. With this consent, you go to a new bank. The bank signs a loan agreement with you and gives you money. How the money is disbursed depends on the specific bank refinancing the loan: the money can be disbursed in cash at the cash desk of the new lending bank, or can be transferred to your account in the old lending bank.

The amount of money may be equal to the amount of your debt to the previous creditor bank, or maybe more than your debt to the bank, and then, free funds (the difference between the loan issued by the new creditor bank and the amount of debt to the previous creditor bank) you you can use at your own discretion.

5. You pay off the debt to the former creditor bank and remove the collateral from the real estate. Until the real estate is mortgaged to a new creditor bank, the bank has no collateral for the loan and, he believes, that such a loan is more risky. Therefore, the bank compensates for the risk with a higher interest rate.
6. Mortgage your property to a new lender bank, refinancing loan.

After the new lending bank has received the property as collateral, the loan is secured and, if you paid at an increased interest rate, then from the moment of the collateral, you start paying at a lower interest rate.

Advantages of the "classic scheme" of refinancing: no need to look for a "good uncle". All the money is given by the new creditor bank.
Disadvantages of the "classic scheme" of refinancing: banks have just begun to engage in refinancing.

Many simply say that they are ready to refinance a loan: "Come, you will be the first, we will work with you on how to do this."

Warning!

There are very few banks that really, not in words, but in fact refinance loans. Therefore, while the refinancing scheme is not available to everyone: they are not ready to lend for any real estate, not all the borrower's income can be taken into account by those banks that are really engaged in refinancing.

source: https://www.ipotek.ru/

How to refinance loans from other banks?

Refinancing or on-lending of loans is obtaining a new loan on more favorable terms (for example, with a lower interest rate) to fully or partially repay the existing loan.

Until recently, this procedure could be used only in the bank from which the first loan was taken, but now the situation has changed dramatically, and you can refinance the loan in another bank. However, it should be noted that not all banks have a loan refinancing program.

For example, you can refinance a mortgage loan issued in another bank at Sberbank and VTB 24. The list of banks that refinance consumer loans from other banks includes Sberbank, VTB 24, Rosbank, IntechBank, Bank of Moscow, etc.

Raiffeisenbank mainly specializes in the issuance of car loans and their refinancing, moreover, it allows you to refinance car loans and other banks. Bank Uniastrum, unlike the others, specializes in refinancing credit cards and unsecured loans by issuing its own credit cards.

If the bank in which the loan is issued does not refinance, then the borrower will have to contact another credit organization that refinances loans from other banks. After signing the loan refinancing agreement, the bank repays the client's debt in another bank, transferring the entire remaining amount to it.

It is worth noting that the amount of the new loan may be greater than the actual debt on the loan, and the borrower can dispose of the remaining amount after repayment of the debt as he wants. If a collateralized loan is refinanced, then the collateral must be reissued to a new bank.

Until the collateral is reissued, the refinancing interest rate will be increased. After the collateral is confirmed at the new bank, the refinancing rate will be reduced to the previously agreed one.

Attention!

The most favorable conditions for on-lending a secured loan are available in the bank in which the loan was issued secured, because in this case, you will not need to reissue the collateral to another bank, which will help you save on possible costs and significantly speed up the process.

The loan refinancing service allows the borrower to reduce the amount of the monthly payment by lowering the interest rate and increasing the loan term. Also, within the framework of the on-lending program, it is possible to combine several previously taken loans into one large one, and, thereby, reduce the possible costs of maintaining the loan, but that's not all.

It is also possible to reduce expenses with the help of on-lending a foreign currency loan, since it is much more convenient and profitable when monthly loan payments are made in the currency of the borrower's salary.

From the foregoing, it can be seen that refinancing a loan is a rather profitable service for borrowers who want to change the terms of lending for the better for themselves, and, thanks to this, do not overpay "extra" money. In order to make refinancing, the borrower needs to contact the bank in which he already has an open loan, and find out if the bank provides a refinancing service.

If the loan refinancing service is provided, the borrower can use it, because banks in which the borrower has a loan, as a rule, offer the most favorable conditions for refinancing existing loans.

Otherwise, the borrower needs to look for such credit organizations that are engaged in refinancing loans from other banks, and choose among them the bank with the most favorable conditions.

Advice!

Before applying for refinancing, each borrower should find out whether it is possible to make an early repayment of a loan taken earlier and whether penalties are foreseen for this.

If the possibility of early repayment is prohibited by the loan agreement, then refinancing will not work. If such an opportunity exists, then the borrower must carefully calculate all the possible costs associated with the procedure for obtaining a loan refinancing, and compare them with the possible savings.

In order to calculate the possible savings, it is necessary to compare the interest rate of the current loan with the refinancing rate. If the difference in interest rates does not exceed 2%, then it is not worth refinancing the loan, because it will not bring any savings.

When processing a loan refinancing, the bank carries out standard verification procedures, which include checking the solvency and credit history of the future borrower. After the end of the check, the credit organization decides whether or not to issue a loan to the borrower.

source: http://f1nansist.ru/

Which banks are engaged in loan refinancing?

The crisis in our economy hit the incomes of citizens, depriving many of the opportunity to fully and timely pay loan installments. In order not to become a violator, and not to spoil your credit history, you can use various methods, including a refinancing service.

We will consider which banks are engaged in refinancing loans, and in which cases refinancing is unprofitable for the borrower.

What does refinancing give?

Refinancing a loan will give you the following options:

• reduce the interest rate on the loan;
• lengthen the terms of the loan;
• reduce the amount of monthly fees;
• the loan currency can be changed;
• if you have several issued loans in different banks, open one instead of them.

Where to go?

Today, several large banks are engaged in refinancing loans, among which it is preferable to apply for the type of loan to the following banks:

1. car loans - Raiffeisenbank;
2. mortgage - VTB24, Sberbank;
3. credit cards, unsecured loans - Uniastrum Bank;
4. consumer loans - Intechbank.

You can find a suitable bank for refinancing by visiting numerous Internet resources dedicated to credit services, for example, the well-known portal banki.ru.

Of course, we have listed far from all banks that are engaged in refinancing, but the largest and most reliable. First, you should apply to your bank.

Attention!

Re-lending will require collecting a full package of documents and justifying the need to renegotiate the loan agreement on new terms. Banks' refinancing requirements include at least half of the loan paid and no violations on the part of the borrower.

If the borrower is unable to fulfill the requirements of the loan agreement, you can terminate it. You can read about how to terminate a loan agreement with a bank here.

Is refinancing profitable?

With all the above advantages, loan refinancing does not always solve the problems of borrowers. When deciding on a new loan in order to pay off the previous one, it will be useful to calculate what costs are possible, and whether they will exceed the savings from the reduced interest rate.

We advise you to find out from banks that are engaged in on-lending about all the pitfalls, that is, penalties for early repayment, refinancing costs and compare interest rates. If the difference is less than 2%, refinancing is considered inappropriate.

source: http://cleanbrain.ru/

Banks providing refinancing service

The abundance of loan offers and a large number of loans actually issued to individuals have led to the fact that a whole stratum of the population has formed in Russia, living on credit. Some Russians have more than 3 loans at the same time.

Of course, borrowers do not always manage to accurately calculate their own financial capabilities - after all, sometimes unforeseen circumstances occur in our life that require immediate financial costs.

Advice!

If it becomes difficult or impossible to pay loan payments, then it makes sense to contact the bank and use the loan refinancing service, thereby avoiding falling into a hole in debt and on the lists of unreliable borrowers.

Which banks refinance a loan

Of course, not all banks provide an opportunity to refinance a loan - in some financial institutions this service is not available at all, in others it involves significant restrictions or requires even more serious financial costs than payments on existing loans.

When choosing a bank for refinancing a loan (or loans, if you have several of them), first of all, you need to strive to get this service exactly in the bank where the original loan was taken. If for some reason this is not possible, then the terms of refinancing a loan in a bank offering such a service will become the benchmark.

Banks that refinance loans differ not only in terms of refinancing, but also in the types of loans that are available for refinancing.

For example, Alfa Bank refinances primarily consumer loans, while Otkritie Bank offers to refinance only employees of accredited companies or holders of their own salary cards.

In addition, there are banks that are only engaged in refinancing loans from other banks and banks that provide this service only for their customers.

Conditions for refinancing loans in banks

Rosbank. Rosbank's loan refinancing program is perhaps one of the most powerful on-lending programs among Russian banks. Refinancing of both mortgage and consumer and car loans is available.

Refinancing conditions are determined by the client's belonging to one of more than 10 categories of borrowers. Refinancing parameters can be specified on the bank's official website at http://www.rosbank.ru/ru/persons/credits/cel/.

Attention!

The indisputable advantage of refinancing at Rosbank is its versatility - almost any borrower who does not have long-term loan delinquencies can find favorable conditions.

Sberbank. The largest bank in Russia offers extremely simple conditions for refinancing two types of loans: mortgages - at 12.25% (minimum rate) and consumer loans - at 17%.

Favorable interest rates attract many potential clients, but getting such a loan is not so easy - Sberbank very carefully checks and analyzes the solvency of its clients.

Bank opening. Refinancing of loans in the Bank Opening (as mentioned earlier) is available only for employees of organizations that are partners of the bank. Such organizations are divided into three groups - A, B C.

Belonging to a particular group also determines the size of the interest rate that will be assigned to the client when refinancing a loan at the Opening Bank: for group A - from 15.9 to 17.9%, for group B - from 17.9 to 19.9%, for group C - from 20.9 to 23.9%.

The accrued interest is also affected by the term of the new loan. In addition, the bank actively offers borrowers from other banks that are not employees of accredited companies to simply issue a consumer loan at an individually determined interest rate (which is not always beneficial when refinancing).

VTB 24. The representative of that part of banks engaged in refinancing loans that have a special refinancing program and are guided by the massive use of this financial product.

At the same time, refinancing of loans from banks belonging to the VTB group (Bank of Moscow, Leto-Bank, Transcreditbank) is not provided in VTB 24 - this is one of those banks that make it possible to refinance loans only from other banks.

Refinancing loans at VTB 24 is quite a profitable business, especially for holders of VTB Bank salary cards - loans for such clients are refinanced at a rate of only 15.5% per annum. For other clients, the percentages are slightly higher - from 17.5%.

Warning!

Obligatory conditions for refinancing a loan at VTB Bank are the absence of debts on refinanced loans from other banks, the period of remaining payments is at least 3 months. You can re-credit in the amount of 100 thousand to 1 million rubles.

Moreover, if you need an amount of up to 500 thousand rubles, then you can send an application for refinancing a loan to VTB 24 bank directly on the official website of the bank - http://www.vtb24.ru/personal/loans/personal/refinancing/ref/Pages/ default.aspx? geo \u003d ob

Bank of Moscow. The loan refinancing program at the Bank of Moscow differs from the program of the "parent" bank - VTB. Here you can refinance loans not only from other banks, but also issued by the Bank of Moscow itself, but only on a mortgage - you cannot refinance on a car loan or a consumer loan at the Bank of Moscow.

But the conditions for refinancing mortgages at the Bank of Moscow are very favorable - the bank will refinance its loans at a rate of 11.45%, and loans from other banks at 10.95%.

Bank Trust. Focused on mass consumer lending, Trust Bank also provides an opportunity to refinance existing loans, but not for its clients.
Loans refinancing at Trust Bank is possible only for consumer and car loans; mortgage refinancing at this bank is impossible.

For refinanced loans, there is a “fork” for the loan amount - from 50 to 300 thousand. Also, prerequisites for refinancing a loan at Trust Bank are the absence of delinquencies on the loans being paid, the period of remaining payments is at least 3 months and the prescription of the loan is from six months. One of the strengths of Bank Trust is remote services convenient for clients, including those available on the bank's official website.

This also applies to refinancing programs - a calculator for refinancing loans at Trust Bank is available on the official website of the bank - http://www.trust.ru/retail/cash/credit100212/ and an online application for refinancing a loan at Bank Trust - https: // www.trust.ru/retail/cash/request/. These services will allow you to remotely calculate the conditions and issue a preliminary application for loan refinancing.

Orient Express Bank. There is no special program for refinancing loans in Vostochny Express Bank. Nevertheless, potential clients, as well as in Otkritie Bank, are invited to obtain a cash loan at a rate of 14.9% and to spend the funds received to repay loans taken from other banks.

Home Credit Bank. Refinancing at Home Credit Bank is available only for clients of third-party banks, but you can refinance any of the types of loans - car loans, mortgages or consumer loans. Favorable interest rate - from 19.9%, loan term 1 to 5 years in the amount of 50 thousand to half a million rubles.

Attention!

Banks engaged in refinancing loans are guided primarily by their own needs. As you can see, the number of banks offering refinancing to their own clients is not so great - after all, it is not very profitable for the bank to delay the receipt of funds, but enticing a client from another bank is in any case a justified move.

When choosing a bank for refinancing, take into account not only the fact of providing this service in a particular credit institution, but also the final conditions of refinancing.

source: http://www.burokratam-net.ru/

For which banks is it typical to refinance loans?

Refinancing loans should be understood as full or partial repayment of debt by overlapping the old loan with a new one, but on more favorable terms.

Loan refinancing can be carried out both in your own bank and in a new one. Moreover, not every bank undertakes to refinance its own loan, so for each borrower the question is how to find banks that refinance loans.

On-lending programs are now offered by many banks. Banks that refinance loans usually offer programs for all types of loans: consumer, mortgage or car loans. If, during lending, the borrower took out a collateral loan, then it is necessary to go through a special procedure to re-register it with a new bank.

The on-lending procedure is similar to a regular loan. The new creditor bank issues cash or pays off the entire debt on the old loan itself. At the same time, it is possible to get a new loan in an amount that exceeds the debt of the lender. In this case, the borrower can independently dispose of the loan balance that remained after the old debt is repaid.

Advice!

When re-lending, it is necessary to foresee or find out what troubles may await him with new lending. The main thing to look at before applying to a new bank is the interest rate. It should not be less than 2%, otherwise the transaction will become unprofitable and only slightly reduce the loan.

But if we take into account that refinancing also requires additional investments from the borrower - funds will be required for new insurance, loan renewal, etc. - then it will become completely unprofitable.

It is also necessary to find out whether the old bank will charge the borrower with a penalty if the loan is repaid ahead of schedule and whether it is possible to re-lend at all. Some banks, not wanting to lose customers, indicate in the agreement a clause stating that it is impossible to refinance a loan.

Banks that refinance consumer loans, car loans and mortgages take into account the financial position of the new client and his credit history. This will require new documents to prove your income.

If the borrower, as a result of taking the first loan, the financial situation has deteriorated much, then the possibility of obtaining a new loan is minimal. The same happens with credit history: not every bank will agree to get hold of an unreliable client.

Usually, banks involved in refinancing loans always carefully check the new borrower: his credit history, the veracity of the income information and the payment schedule. If all these requirements are met, the borrower is provided with a special refinancing program, which is developed for each of the clients separately, taking into account its advantages and some disadvantages.

This banking product, loan refinancing, can significantly help every borrower. But, the lender needs to be careful when choosing a banking institution for a new loan. Therefore, always, first find out which banks give refinancing loans and compare their programs for refinancing.

In Russia today, refinancing is not possible in every bank. It should be said that the most acceptable conditions for refinancing, with fairly profitable programs for the borrower, exist in such banking institutions:

one . Rosbank. A special refinancing program created in this bank under the same name offers new clients quite favorable conditions. Rosbank is engaged in on-lending of all types of loans: consumer, mortgage and car loans. Each of them has its own refinancing program, with different maximum amounts and terms:

• the mortgage is allocated up to 15 million in rubles, starting from 500 thousand, and made for a period of at least 6 months, with a maximum of 25 years at a 12.75% annual rate;
• for consumer goods - 20 thousand - 1.5 million rubles, produced up to five years at 16-19% of the annual rate;
• car loan - from 60 thousand - 1 million rubles, at 16-18.5%.

2. VTB 24. The bank also has favorable conditions for on-lending. The only thing that needs to be considered is your credit history, which does not have a very good reputation. VTB 24 tries not to deal with such clients, so the borrower needs to verify his reputation by reviewing it in advance before applying for refinancing.

This bank is engaged in all types of refinancing, but the conditions for refinancing for car loans and consumer loans are the same: from 30 thousand to 1 million. rubles, produced up to five years at 16-17.5%. An amount from 500 thousand to 75 million rubles is issued for a mortgage, the loan period can be 50 years. The interest on the loan depends on many reasons and can vary between 15-17%.

3. Rosselkhozbank. The bank provides clients with refinancing for all types of loans.
Consumer loans and car loans can be refinanced: at an annual interest rate of 18.8–20%, up to 5 years, the maximum loan is 1 million, in rubles. Mortgage - from 11.9% with a maximum of up to 14.5%, for the amount of 500 thousand - 26 million rubles, up to 25 years.

4. Sberbank. This bank has developed a refinancing program for all loans. An important factor is that there are no commissions here. Depending on the term of refinancing and the amount of the loan, the interest rate may vary in the form of 17-21.5%. Refinancing period - up to 5 years, with an amount of 1 million, in rubles.

Consumer loan refinancing has the same parameters, but the annual rate may increase to 25.5%.
Mortgage refinancing by Sberbank is carried out at an annual rate of 13.25, with a maximum of 13.75%, for a period of up to 30 years. The amount that the borrower can have cannot exceed the remaining debt on the mortgage loan and is only 20% less than the collateral value of the home.

Warning!

Even knowing which banks provide loan refinancing, you always need to research well all their refinancing programs, take into account all the possible pros and cons. But one of the main requirements of every bank is excellent CI.

Therefore, before making such a request to a banking institution, the borrower should pay special attention to the CI, and, if necessary, try to "clean" it.

source: http://refinkredit.ru/

Which banks refinance loans

Today, the refinancing sector is expanding in the banking services market, and an increasing number of credit institutions offer this service to the population. It is rather difficult to choose from a huge number of options. In addition, it should be understood that refinancing is a targeted consumer loan, which has its own characteristics.

Choosing a refinancing program

What you should pay special attention to when choosing a refinancing program: the spread of loan rates and the conditions for their provision.

For example, VTB Bank of Moscow offers, depending on the loan term and loan amount, a reduced rate of 13.9% for salary clients employed in certain areas, in particular, for healthcare workers, education, some types of law enforcement agencies and government officials ...

For other clients, the base rate is 14.9%. The discrepancy in different financial institutions may be even greater, therefore this point is very important, since most banks voice the wording "from" and the size of the rate. In this case, the upper interest rate of the loan may not be entirely profitable.

Providing an additional loan amount, in addition to the one that will go for refinancing

The maximum term and conditions for its provision. This item makes it possible to reduce the financial burden on the budget by reducing the monthly payment. For example, the maximum term for refinancing consumer loans is 84 months.

Advice!

If it is necessary to reduce the monthly payment and a long balance of the term of the existing debt obligations, for example, 4-5 years, such proposals should be considered first.

Availability of the opportunity to choose the date of loan repayment convenient for the client within the specified maximum period.

Key Features

In the selection process, you need to take into account the basic features of refinancing:

1. The versatility of the offer that allows you to combine all available loans into one, for example, mortgages, car loans, credit card debt and cash loans. Such offers are available in Citibank and Transcapitalbank.
2. Change in interest rates during the term of the loan. So, some banks provide a small rate for a certain time, as a rule, for 3 months, after which they raise it by 2-3 points. Here you need to clarify the maximum final rate.
3. Application approval deadline. It is important if the client is in danger of being overdue during this period. Applications are considered as quickly as possible, for example, Sberbank and B&N Bank.
4. The presence / absence of delay. There are banks that approve a loan for refinancing only in the absence of delinquencies on existing debt obligations, and there are those for whom detailed compliance with the payment schedule for a certain period is important, as a rule, for the last 6 months at the time of receiving a new loan. Before determining the lender, you need to study this condition.
5. The duration of the actual debt obligations at the time of refinancing. Varies from bank to bank, but is usually 6 months. For example, Zapsibkombank and Avtogradbank put forward a corresponding requirement.
6. Until the end of payments under the loan agreement, according to different banks, it should remain from 3 to 12 months. In particular, VTB 24 makes it possible to refinance loans that have at least 3 months left to repay.
7. Loan recalculation profitability. When refinancing loans that were issued in foreign currency, with a mandatory conversion in a new bank into rubles, it is worth making sure that the funds received in debt are sufficient to fully repay the current loan and the expediency of such on-lending.

In order to minimize financial risks, the client should carefully calculate all the options selected. Indeed, in some cases, a new loan may differ from the previous one by only 0.5%, and the difference between payments will eventually result in a decent amount. In others, 2-3% that seemed to be profitable are not worth the hassle of re-registration.

Repayment using VTB services

• After you apply for a cash loan, we will open an account for you or provide a card for easy payments. You can pay off the debt at any branch of our bank. Contact the teller and show him your passport, your bank card or personal account number.
• If you have a bank card, you can repay the loan by depositing cash at any ATM that accepts cash. If you need to top up your account to pay off the debt, this can also be done using an ATM.
• To remotely control the repayment of loan payments, connect the service. Without a visit to the department. Just visit the website or download the mobile app.
• In you can set up auto payment. The service allows you to transfer funds to an account on a schedule without your participation.

Transfer from card to card

Transfer from card to card (you must take into account 3 days for the transfer)

Other repayment methods (with commission and crediting in several days)

• at the Russian Post office;
• transfer from an account in another bank;
• in payment terminals;
• through the service points of the Zolotaya Korona network (includes the networks of Euroset, MTS (Russian Telephone Company CJSC), Beeline (Vimpelcom OJSC), Kari and others).

Early loan repayment

You can repay the loan early (partially or completely) without commission.

1. Apply for early repayment c.
2. Change the terms of the loan payment: reduce the term or the amount of the monthly payment.
   • You can pre-calculate the changes in your schedule in the table.
3. Enter the early payment amount into the account on time.

How to find out the current information about the monthly payment and the outstanding balance

• via ;
• at any VTB branch;
• by calling the customer service center;

If necessary, reduce or postpone the payment

• 1. Terms and accepted abbreviations
  • 1.1. Personal data (PD) - any information related to a directly or indirectly identified or identifiable individual (PD subject).
  • 1.2. Processing of personal data - any action (operation) or a set of actions (operations) performed using automation tools or without using such tools with personal data, including collection, recording, systematization, accumulation, storage, clarification (update, change), extraction, use, transfer (distribution, provision, access), depersonalization, blocking, deletion, destruction of personal data.
  • 1.3. Automated processing of personal data - processing of personal data using computer technology.
  • 1.4. Personal data information system (ISPD) is a set of personal data contained in databases and information technologies and technical means that ensure their processing.
  • 1.5. Personal data made publicly available by the subject of personal data - PD, access to an unlimited number of persons to which is provided by the subject of personal data or at his request.
  • 1.6. Blocking of personal data is a temporary suspension of the processing of personal data (unless the processing is necessary to clarify personal data).
  • 1.7. Destruction of personal data - actions as a result of which it becomes impossible to restore the content of personal data in the information system of personal data and (or) as a result of which material carriers of personal data are destroyed.
  • 1.8. A cookie is a piece of data that is automatically stored on your computer's hard drive every time you visit a website. Thus, a cookie is a unique browser identifier for a website. Cookies make it possible to store information on the server and make it easier to navigate the web space, as well as allow site analysis and evaluation of results. Most web browsers allow cookies, but you can change your settings to opt out of cookies or track the path they are sent. However, some resources may not work correctly if cookies are disabled in the browser.
  • 1.9. Web marks. On certain web pages or emails, the Operator may use “web tagging” technology (also known as “tags” or “fine GIF technology”) on the Internet. Web landmarks help analyze the performance of websites, for example, by measuring the number of site visitors or the number of “clicks” made on key positions on a site page.
  • 1.10. Operator - an organization that independently or jointly with other persons organizes and (or) carries out the processing of personal data, as well as determines the purposes of processing personal data, the composition of personal data to be processed, actions (operations) performed with personal data.
  • 1.11. User - a user of the Internet.
  • 1.12..
• 2. General provisions
  • 2.1. This Policy regarding the processing of personal data (hereinafter referred to as the Policy) has been drawn up in accordance with paragraph 2 of Article 18.1 of the Federal Law "On Personal Data" No. 152-FZ dated July 27, 2006, as well as other regulatory legal acts of the Russian Federation in the field of protection and the processing of personal data and applies to all personal data that the Operator can receive from the User during his use of the Internet Site.
  • 2.2. The operator protects the processed personal data from unauthorized access and disclosure, misuse or loss in accordance with the requirements of the Federal Law of July 27, 2006 No. 152-FZ "On Personal Data".
  • 2.3. The operator has the right to make changes to this Policy. When making changes in the heading of the Policy, the date of the last revision is indicated. The new version of the Policy comes into force from the moment it is posted on the website, unless otherwise provided by the new version of the Policy.
  • 2.4. The operator is obliged to publish or otherwise provide unrestricted access to this Personal Data Processing Policy in accordance with Part 2 of Art. 18.1. FZ-152.
• 3. Principles of processing personal data
  • 3.1. The processing of personal data by the Operator is carried out on the basis of the following principles:
    • 3.1.1. legality and fair basis;
    • 3.1.2. restrictions on the processing of personal data to achieve specific, predetermined and legitimate goals;
    • 3.1.3. preventing the processing of personal data incompatible with the purposes of collecting personal data;
    • 3.1.4. preventing the unification of databases containing personal data, the processing of which is carried out for purposes incompatible with each other;
    • 3.1.5. processing only those personal data that meet the purposes of their processing;
    • 3.1.6. compliance of the content and volume of processed personal data with the stated processing objectives;
    • 3.1.7. preventing the processing of personal data that is redundant in relation to the stated purposes of their processing;
    • 3.1.8. ensuring the accuracy, sufficiency and relevance of personal data in relation to the purposes of processing personal data;
    • 3.1.9. destruction or depersonalization of personal data upon achievement of the goals of their processing or in case of loss of the need to achieve these goals, if the Operator cannot eliminate the violations of personal data, unless otherwise provided by federal law.
• 4. General provisions
  • 4.1. Obtaining PD.
    • 4.1.1. All PD should be received from the PD subject himself. If the subject's PD can only be obtained from a third party, then the subject must be notified of this or consent must be obtained from him.
    • 4.1.2. Documents containing PD are created by receiving PD via the Internet from the PD subject while using the Site.
    • 4.1.3. The operator processes PD if at least one of the following conditions is met:
      • 4.1.3.1. The processing of personal data is carried out with the consent of the subject of personal data to the processing of his personal data;
      • 4.1.3.2. The processing of personal data is necessary to achieve the goals provided for by an international treaty of the Russian Federation or by law, for the implementation and implementation of the functions, powers and duties imposed by the legislation of the Russian Federation on the operator;
      • 4.1.3.3. The processing of personal data is necessary for the administration of justice, the execution of a judicial act, an act of another body or official, subject to execution in accordance with the legislation of the Russian Federation on enforcement proceedings;
      • 4.1.3.4. The processing of personal data is necessary for the execution of an agreement, to which the subject of personal data is a party or a beneficiary or guarantor, as well as for concluding an agreement on the initiative of the subject of personal data or an agreement under which the subject of personal data will be a beneficiary or a guarantor;
      • 4.1.3.5. The processing of personal data is necessary to exercise the rights and legitimate interests of the operator or third parties or to achieve socially significant goals, provided that this does not violate the rights and freedoms of the subject of personal data;
      • 4.1.3.6. The processing of personal data is carried out, access to an unlimited number of persons to which is provided by the subject of personal data or at his request (hereinafter - publicly available personal data);
      • 4.1.3.7. Processing of personal data subject to publication or mandatory disclosure in accordance with federal law.
    • 4.1.4. The operator can process PD for the following purposes:
      • 4.1.4.1. raising awareness of the PD subject about the products and services of the Operator;
      • 4.1.4.2. conclusion of contracts with the PD subject and their execution;
      • 4.1.4.3. informing the PD subject about the news and offers of the Operator;
      • 4.1.4.4. identification of the PD subject on the Site;
      • 4.1.4.5. ensuring compliance with laws and other regulatory legal acts in the field of personal data.
    • 4.1.5. Categories of subjects of personal data. PD of the following PD subjects are processed:
      • 4.1.5.1. Individuals who are in civil law relations with the Operator;
      • 4.1.5.2. Individuals who are Users of the Site;
      • 4.1.5.3. PD processed by the Operator - data received from the Users of the Site.
    • 4.1.6. Personal data processing is carried out:
      • 4.1.6.1. using automation tools;
      • 4.1.6.2. without the use of automation tools.
    • 4.1.7. Storage of PD.
      • 4.1.7.1. PD of subjects can be obtained, undergo further processing and transferred to storage both in paper form and in electronic form.
      • 4.1.7.2. PD recorded on paper are stored in lockable cabinets or in locked rooms with limited access rights.
      • 4.1.7.3. PD of subjects processed using automation tools for different purposes are stored in different folders.
      • 4.1.7.4. Storage and placement of documents containing PD in open electronic catalogs (file sharing) in ISPD is not allowed.
      • 4.1.7.5. The storage of PD in a form that allows you to determine the subject of PD is carried out no longer than the purpose of their processing requires, and they are subject to destruction upon reaching the processing goals or in case of loss of the need to achieve them.
    • 4.1.8. Destruction of PD.
      • 4.1.8.1. Destruction of documents (carriers) containing PD is carried out by burning, crushing (grinding), chemical decomposition, transformation into a shapeless mass or powder. For the destruction of paper documents, the use of a shredder is allowed.
      • 4.1.8.2. PD on electronic media are destroyed by erasing or formatting the media.
      • 4.1.8.3. The fact of destruction of PD is confirmed by documentary acts of destruction of carriers.
    • 4.1.9. Transfer of PD.
      • 4.1.9.1. The operator transfers PD to third parties in the following cases:
        • 4.1.9.1.1. the subject has expressed his consent to such actions;
        • 4.1.9.1.2. the transfer is provided for by Russian or other applicable law within the framework of the procedure established by law;
        • 4.1.9.1.3. the operator transfers personal data to the operator who is an affiliate.
• 5. Protection of personal data
  • 5.1. In accordance with the requirements of regulatory documents, the Operator has created a personal data protection system (PDPD), which consists of legal, organizational and technical protection subsystems.
  • 5.2. The subsystem of legal protection is a set of legal, organizational, administrative and regulatory documents that ensure the creation, functioning and improvement of the SZPD.
  • 5.3. The organizational protection subsystem includes the organization of the management structure of the data protection system, the permitting system, information protection when working with employees, partners and third parties.
  • 5.4. The subsystem of technical protection includes a set of technical, software, software and hardware tools that ensure PD protection.
  • 5.5. The main PD protection measures used by the Operator are:
    • 5.5.1. Appointment of a person responsible for PD processing, who organizes PD processing, training and instruction, internal control over the compliance of the institution and its employees with the requirements for PD protection.
    • 5.5.2. Identification of actual threats to the security of PD during their processing in ISPD and development of measures and measures to protect PD.
    • 5.5.3. Development of a policy regarding the processing of personal data.
    • 5.5.4. Establishing rules for accessing PD processed in the ISPD, as well as ensuring registration and accounting of all actions performed with the PD in the ISPD.
    • 5.5.5. Establishing individual passwords for employees' access to the information system in accordance with their production responsibilities.
    • 5.5.6. Application of information protection means that have passed the conformity assessment procedure in accordance with the established procedure.
    • 5.5.7. Certified anti-virus software with regularly updated databases.
    • 5.5.8. Compliance with the conditions ensuring the safety of PD and excluding unauthorized access to them.
    • 5.5.9. Detection of facts of unauthorized access to personal data and taking measures.
    • 5.5.10. Recovery of PD, modified or destroyed due to unauthorized access to them.
    • 5.5.11. Training of the Operator's employees who are directly involved in the processing of personal data, the provisions of the legislation of the Russian Federation on personal data, including the requirements for the protection of personal data, documents defining the Operator's policy regarding the processing of personal data, local acts on the processing of personal data.
    • 5.5.12. Internal control and audit.
• 6. Basic rights of the PD subject and obligations of the Operator
  • 6.1. Basic rights of the PD subject.
    • 6.1.1. The subject has the right to access his personal data and the following information:
      • 6.1.1.1. confirmation of the fact of PD processing by the Operator;
      • 6.1.1.2. legal grounds and purposes of PD processing;
      • 6.1.1.3. the purposes and methods of PD processing used by the Operator;
      • 6.1.1.4. the name and location of the Operator, information about persons (with the exception of the Operator's employees) who have access to PD or to whom PD may be disclosed on the basis of an agreement with the Operator or on the basis of federal law;
      • 6.1.1.5. terms of processing personal data, including the terms of their storage;
      • 6.1.1.6. the procedure for the exercise by the subject of PD of the rights provided for by this Federal Law;
      • 6.1.1.7. name or surname, first name, patronymic and address of the person who processes PD on behalf of the Operator, if the processing is entrusted or will be entrusted to such a person;
      • 6.1.1.8. contacting the Operator and sending him requests;
      • 6.1.1.9. appeal against actions or omissions of the Operator.
    • 6.1.2. The Site user can revoke his consent to PD processing at any time by sending a written notice to the address: AVAN LLC, Moscow, st. Okruzhnoy proezd, house 19, building 1, office 244. After receiving such a message, the processing of the User's PD will be terminated, and his PD will be deleted, unless the processing can be continued in accordance with the law.
    • 6.1.3. Obligations of the Operator.
      • 6.1.3.1. The operator is obliged to: when collecting PD, provide information on the processing of PD;
      • 6.1.3.2. in cases where the PD was not received from the PD subject, notify the subject;
      • 6.1.3.3. if the subject refuses to provide PD, the consequences of such a refusal are explained to the subject;
      • 6.1.3.4. publish or otherwise provide unrestricted access to the document defining its policy in relation to PD processing, to information on the implemented requirements for PD protection;
      • 6.1.3.5. take the necessary legal, organizational and technical measures or ensure their adoption to protect PD from unauthorized or accidental access to them, destruction, modification, blocking, copying, provision, distribution of PD, as well as from other illegal actions in relation to PD;
      • 6.1.3.6. give answers to requests and appeals of PD subjects, their representatives and the authorized body for the protection of the rights of PD subjects.
• 7. Features of processing and protection of data collected using the Internet
  • 7.1. There are two main ways by which the Operator receives data via the Internet:
    • 7.1.1. Provision of PD by PD subjects by filling out the forms of the Site;
    • 7.1.2. Automatically Collected Information.
  • 7.2. The Operator can collect and process information that is not PD: information about the interests of Users on the Site based on the entered search queries of users of the Site about services, goods sold and offered for sale in order to provide relevant information to Users when using the Site, as well as summarize and analyze information, about which sections of the Site, services, goods are in the greatest demand among Site Users;
  • 7.3. The Operator automatically receives some types of information obtained in the process of interaction of Users with the Site, correspondence by e-mail, etc. We are talking about technologies and services such as cookies, Web marks, as well as applications and tools of the User.
  • 7.4. At the same time, Web marks, cookies and other monitoring technologies do not make it possible to automatically receive PD. If the Site User at his own discretion provides his PD, for example, when filling out a feedback form, then only then the processes of automatic collection of detailed information are launched for the convenience of using the Site and / or to improve interaction with Users.
• 8. Final provisions
  • 8.1. This Policy is a local regulation of the Operator.
  • 8.2. This Policy is publicly available. The general availability of this Policy is ensured by publication on the Operator's Website.
  • 8.3. This Policy may be revised in any of the following cases:
    • 8.3.1. when changing the legislation of the Russian Federation in the field of processing and protecting personal data;
    • 8.3.2. in cases of receipt of instructions from the competent state bodies to eliminate inconsistencies affecting the scope of the Policy;
    • 8.3.3. by the decision of the Operator;
    • 8.3.4. when the goals and timing of PD processing change;
    • 8.3.5. when changing the organizational structure, structure of information and / or telecommunication systems (or introducing new ones);
    • 8.3.6. when applying new technologies for processing and protecting personal data (including transmission, storage);
    • 8.3.7. when it becomes necessary to change the process of processing PD related to the activities of the Operator.
  • 8.4. In case of non-compliance with the provisions of this Policy, the Company and its employees are liable in accordance with the current legislation of the Russian Federation.
  • 8.5. Control over the fulfillment of the requirements of this Policy is carried out by persons responsible for organizing the processing of the Company's Data, as well as for the security of personal data.

Due to its popularity, the service is provided by the majority of credit institutions in the Russian Federation. For banks, this procedure is considered beneficial, as they get additional customers. Here you can draw an analogy with a regular consumer loan, only in this case the borrower does not receive the amount. Settlements between banks are made without his participation.

Interest rates on credit products are set by banks independently. These indicators are always higher than the refinancing rate by default. Description of the procedure:

1. The borrower entered into an agreement with the first bank at 17%.
2. Having applied to the second bank, the borrower enters into an agreement already at 12-15%.
3. The second bank transfers to the account of the first credit institution the entire amount under the agreement, including the amounts for penalties.

Thus, the same agreement is transferred to a new bank. The client gets the opportunity to pay off the debt at a reduced rate. The general terms and conditions of the contract, with the exception of the terms of performance, remain in their original form.

What is the lowest interest rate for refinancing consumer loans

The banks do not have a common component with which they derive the interest rate. Refinancing has an important difference from a consumer loan - the client does not have the opportunity to select conditions for the product. The bank appoints them individually for each client.

For example, if the service description indicates a rate of 15-17%, then a specific client may be offered to conclude a contract at 10-12%. The decision is made after analyzing the current position of the applicant. A group of banks can be distinguished, which in this respect make more favorable offers to potential customers.

These include:

• Raiffeisenbank.
• Alfa Bank.
• Tinkoff Bank.
• East Bank.
• Citibank.
• Russian Standard Bank.

New proposals are periodically received from these organizations, which can be used by a wide range of consumers. A large number of refinancing agreements are concluded here every year. The reason for this popularity is the low interest rate.

Refinancing conditions in 2018

The interest rate is not the only indicator by which you can choose a suitable program. The timing and amount of agreements to be concluded are also important here. In terms of terms, as a rule, everything is standard - on average, such contracts are concluded for 5-7 years. In this case, the rule of coincidence of the terms under the initial agreement and after refinancing may be observed.

The amounts also do not have a constant component. They are assigned individually by the banks, but within the limits. For such services the amount

slightly less than for consumer loans. Some credit institutions offer quite large amounts, but only after conducting a general analysis of the applicant's financial condition.

How to choose the right program

Self-selection of conditions may not lead to the desired result. Therefore, it is recommended to use the capabilities of the credit service -.

For users, the best products and offers are collected here. A detailed description is given for each category so that a simple visitor can understand the advisability of designing a particular program.

In difficult financial situations, with a debt to financial institutions, a person tries to find a way out of this situation. The salvation can be a service for refinancing loans in other banks, the best and most profitable offers of 2019 for which are collected on this page. Each of the presented banking products has its own advantages and disadvantages. It is necessary to determine the priorities and choose the most suitable on-lending.

Refinancing is a new loan to pay off old debts in other financial institutions that the client is unable to cope with. In Russia, there are not so many offers from banks for "re-lending", but there are enough of them to choose the best. Unbearable loan can be consumer, mortgage or any other. Refinancing conditions may differ in interest rate and term, but the debt is repaid in any other bank.

On-lending offer allows the client to:

Loan refinancing calculator

We invite you to make a calculation on our online loan refinancing calculator. It allows you to compare the parameters of your current debt with the conditions after refinancing. Can be calculated with a decrease in the size of the monthly payment or the total duration of the contract.

The registration process is no different from a regular consumer or mortgage loan. In addition to a passport, you will definitely need a certificate of income. Some banks may require additional information or the availability of guarantors. It is also mandatory to check the credit history, based on the results of which a decision is made: refinancing may be refused, the offer may be changed or confirmed in the initial conditions.

In 2019, the refinancing interest will increase due to the increase in the key rate by the Central Bank of the Russian Federation, which directly affects the terms of lending by banks. Further growth is not excluded in the future, therefore, if you have not yet received refinancing of existing loans, we recommend that you do this as soon as possible with relatively favorable conditions.

The lowest percentage of the bank Opening

Bank FC Otkritie can offer its clients the most advantageous offer on the market with a minimum interest rate. But it is not fixed, that is, it can change depending on the capabilities of the borrower. The terms and conditions provide for personal insurance, in case of refusal from which the percentage rises by 7% with the refinancing amount up to 300,000 rubles and by 3% with a larger one.

• Interest rate - from 8.9% per annum.

To apply for refinancing a consumer loan (or other types of debt), you will need to prove income. If you request less than 100,000 rubles, you can do this without a certificate of income. providing only a passport and PTS. The loan application is considered up to 2 working days, and the funds are transferred to the card or account.

Offer from Raiffeisenbank

Raiffeisenbank's offer is considered one of the most profitable due to the low fixed interest rate. Registration takes place online and by telephone. The refinancing application will be answered within 1 hour. You can familiarize yourself with the main conditions of consumer lending below:

• Fixed interest rate - 10.99% per annum.
• Loan terms - from 12 to 60 months.
• The maximum loan amount is 2,000,000 rubles.

To obtain such a lucrative offer, refinancing of other loans is available only under the condition of life and disability insurance of the individual. In case of refusal, the percentage rises by 4-5%. Insurance is not that expensive and the benefits are enormous. We advise you to consider this option.

Refinancing from Tinkoff Bank

Among all similar offers from Tinkoff for refinancing consumer loans from other banks is one of the best and most profitable. Its essence lies in the design and connection of the service. The money from the credit limit is transferred to the account of another bank, and the client repays the debt to Tinkoff without paying interest on the loan for 4 months. This is a very lucrative offer. The client is almost guaranteed to get a card. The only drawback is that there is no guarantee of obtaining the maximum credit limit. But it's worth a try, we recommend!

• Interest rate - from 12.0% per annum.
• The maximum loan amount is RUB 300,000.
• Grace period without interest payment - 120 days;
• You can use the balance transfer service no more than once a year.

Requirements for the borrower to obtain a card are minimal (the bank issues a card even with a bad credit history). But the credit limit proposal is influenced by the client's rating. For registration of documents, you only need a passport. Issuing a credit card is free, and the annual service will cost 590 rubles.

Refinancing a loan from VTB

In 2019 VTB offers favorable lending conditions: low fixed interest rate, a long period and a large amount of a consumer loan. But to receive such a percentage, you will need to take out insurance. Without insurance, the rate becomes floating in the range of 12.5-16.9%. You can combine up to 6 debts into one. By filling out the application form, you can see a calculator for refinancing a loan at VTB, which clearly shows the bank's tariff and the client's benefit.

• Fixed interest rate - 10.90% per annum.
• Loan terms - from 6 to 60 months.
• The maximum loan amount is 5,000,000 rubles.

If an individual is not served at VTB, then in addition to a passport, he will need to provide SNILS and a certificate of income. All loans in other banks will require complete documentation. Agreements with VTB Group are not subject to refinancing. Preferential conditions are offered to pensioners and civil servants.

Refinancing a loan at Sberbank for individuals

Sberbank is the largest in Russia and offers individuals a wide range of banking services. He was one of the first in the country to offer his clients on-lending of consumer debt in other banks. The offer is made favorable by a fixed interest rate and no need for insurance.

• Fixed interest - 12.5% \u200b\u200bper annum for an amount of 500,000 rubles, 13.9% for less.
• Loan terms - from 3 months to 7 years.
• The maximum loan amount is 3,000,000 rubles.

The offer does not provide for the presence of collateral and the search for guarantors. The list of required documents from an individual does not require extracts on loan agreements. You can combine up to 5 debts and get additional funds for misuse.

Home Credit Bank offer

Home Credit Bank is also engaged in consumer debt refinancing. His offer may not be so advantageous in comparison with others, but it has its own characteristics - no need to confirm income and insurance. These conditions can become key for choosing a loan program.

• Interest rate - from 10.9% per annum.
• Loan terms - from 1 to 7 years.
• The maximum amount is 1,000,000 rubles.

Of the mandatory requirements for the client, it is worth noting only registration in the region of the loan. A refinancing application is submitted online on the official website of the bank, and it takes up to 2 hours to review it. If approved, you will need to visit the office to complete all documents. The funds are transferred directly to an account with another credit institution.

Refinancing at Alfa-Bank

Alfa-Bank refinances loans from other banks the best at the interest rate, but only for holders of salary cards. For everyone else, the offer is also quite interesting and will almost certainly be more profitable than the current ones. To receive funds in 2019, you must fill out an online application, wait for confirmation and transfer to the account of another bank. It is possible to get additional funds.

• On-lending interest - from 11.99% per annum.
• Loan term - up to 5 years.

The requirements for an individual are standard - citizenship of the Russian Federation, permanent place of registration, work experience. For registration, you will need the entire set of documents, including a certificate of income. Alfa-Bank carefully checks the credit history.

Refinancing a loan at the Russian Agricultural Bank

Refinancing at the Russian Agricultural Bank of loans from other banks applies only to consumer loan agreements. Also, for holders of salary cards, "reliable" clients and employees of budgetary organizations, the offer is more advantageous. Collateral is required if it was provided for by the old contract.

• Interest rate - from 10.0% per annum.
• Loan term - up to 5 years.
• The maximum amount is 3,000,000 rubles.

The bank's requirements for the age of an individual are from 23 to 65 years old, citizenship and registration of the Russian Federation, work experience at the current place of at least 6 months. Rosselkhozbank takes into account all income of an individual (at the main workplace and others) and, based on these data, formulates a refinancing proposal. The required documents are standard: passport, income statement, military ID, pension certificate for pensioners.

Refinancing offer from Rosbank

Refinancing of consumer loans in Rosbank from other banks is no different from similar offers on the financial market. It also eats preferential terms for some categories of individuals. In the rating of public confidence, Rosbank is below the middle in 2019, so it will fight for each client and offer the best services. But rude defaulters should not hope for a loan, the bank carefully checks its credit history. The essence of Rosbank's proposal is:

• Interest rate - from 12.5% \u200b\u200bper annum.
• Loan term - up to 5 years.
• The maximum amount is 3,000,000 rubles.

Many banks are ready to refinance consumer loans to individuals. Check out all the offers and choose the best and most profitable for you. Carefully read the terms of the contract, and also pay attention to the offered additional services.