Until recently, an online loan refinancing application was available on a limited number of credit institution websites. Everything has changed today. In pursuit of clients, banks simplify the process of issuing services, and offer an increasingly convenient form of issuing refinancing. Now this is done directly on the official website of the financial institution. The only thing that differs is the filling of the questionnaire and the timing of its consideration. It is these issues that we will pay attention to in relation to various banks.

Sberbank

An application for refinancing a loan at Sberbank is filled out in printed or handwritten form. In the first case, online, and in the second, at a bank branch. If corrections are made to the document, they must be confirmed by the signature of the person who made the changes. It is unacceptable to exclude questions from the application form.

It is worth noting that the principle of filling out an online application for on-lending a consumer or mortgage loan is identical. The only thing that differs is the content of the document. For example, in order to receive a service in relation to a consumer loan, it is required to indicate the type of service, personal information about the borrower, data on changes in the name, passport data, permanent registration address, role in the transaction, temporary registration address, as well as the role in the proposed transaction. If we are talking about registration of refinancing on a mortgage, information on the object of collateral is added.

Raiffeisenbank

An online application for refinancing loans from other banks at Raiffeisenbank includes the following data - the owner's full name, gender (M, F), date of birth, mailbox and user's phone number. After that, the client confirms the correctness of the entered data and sends the information to the banking institution. Then it remains to agree on the main issues with the employee of the credit institution and clarify the conditions for registration.

Before applying for a loan refinancing, it is worth using an online calculator that allows you to accurately determine the relevance of a loan. You also need to contact the current bank and make sure that it is possible to repay the loan earlier than the due date.

VTB 24

An online application for refinancing a VTB24 loan is drawn up immediately after calculations on a calculator. If the results of the calculations showed the benefit of the service, you need to follow the link and fill in the required fields - name, gender, date of birth, email address, and also indicate your mobile phone.

On the second part of the application, you need to register data on the job - the form of employment, the employer's TIN, the name of the company, as well as the amount of profit at the main place of earnings. If salary is credited to a VTB24 card, this must be indicated immediately. After entering this information, you can proceed to the next step.

The bank checks the online application for refinancing a loan at VTB24, after which it will request documents for a detailed study of the borrower.

Rosselkhozbank

Rosselkhozbank also offers good conditions for refinancing a loan, and an online application for this service is also submitted on the website of a financial institution. The first step is to calculate the relevance of obtaining a loan using a calculator. To calculate, you need to indicate the amount that a person plans to issue, the loan term, average monthly income, and also the repayment option. If you are satisfied with the calculation results, you need to go to the online application section. The following information is indicated here:

• Full name of the applicant.
• Convenient branch of the bank, where it is easiest to order the service.
• Date of birth, e-mail, and telephone.
• Required amount.
• Loan processing time.

Once the information is entered, you can apply online and wait for a decision to refinance your loan.

Alfa Bank

The peculiarity of Alfa-Bank is in providing favorable conditions for clients. The service is provided for a period of one to five years, and the interest rate is from 11.99%. The size of the loan being processed is up to 3 million rubles, and the decision is made within 15 minutes, which eliminates long waiting times and allows you to get the service in a short time.

The online application for refinancing consumer loans at Alfa-Bank is completed in seven stages. The first of them is the indication of basic information, namely name, mobile phone number, and e-mail.

Svyaz-Bank

Interesting conditions for refinancing consumer loans are provided by Svyaz-Bank, and an online application can also be made on the website of a financial institution. A cash loan is issued at 13.9%. It is possible to combine up to five different loans for up to 3 million rubles. At the same time, the total loan term reaches seven years.

If you are satisfied with the conditions, you can proceed to the registration of the application. The whole procedure takes place in three steps. At the first stage, you need to find out the region of circulation, place of registration, gender, full name, the required amount, passport data, registration address (permanent and actual) and other indicators. The information must be correct, otherwise the bank will refuse to provide the service.

Outcomes

If you wish, you can submit online applications for refinancing loans at all banks, and then work with those credit institutions that gave a positive answer.

Don't know which banks are refinancing a loan to an individual? How to highlight the best deals 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 the author of a financial blog! Therefore, it will be interesting!

In connection with 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, the refinancing of a loan in another bank is due to 2 main reasons: either the current loan was taken at a high interest rate, or now the borrower's financial situation has changed and it has become much more difficult to pay under the 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 define how a new loan to pay off old loan obligations in other banks can help us. What are the advantages of refinancing programs for us, individuals:

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

TOP-7 banks for refinancing loans to individuals

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

The best offer of 2019 is refinancing at Alfa-Bank

In 2019, the refinancing program from Alfa-Bank is very popular. This credit organization is developing at a very fast pace and strives to attract as many clients as possible, offering very favorable conditions. And of course, this cannot but rejoice, because the interest rate here is considered one of the lowest, and the process of obtaining a loan is fast!

Consider the terms of lending from Alfa-Bank

• Low loan rate from 11.99%. Calculated individually.
• The term is from 1 to 5 years. For payroll clients, the maximum term is 7 years.
• The loan amount is from 50 thousand to 4 million rubles.
• No collateral is required (no collateral, no guarantors).
• Do not lend to individual entrepreneurs.
• Refinancing is possible for all types of loan products, including microloans of MFOs, car loans and mortgages.
• Single application for refinancing and additional money (if necessary).
• Online application solution in 15 minutes!

Refinancing of consumer loans in Moscow from Interprombank

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

Conditions for refinancing loans at Interprombank

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

Favorable refinancing without certificates and interest-free for 120 days

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

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

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

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

Refinancing loan from UBRIR on passport and income statement

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

Terms of offer in UBRIR

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

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

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

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

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

Favorable conditions for refinancing from Raiffeisenbank

Raiffeisenbank offers clients aged 23 to 67 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 offer at Raiffeisenbank

• Favorable rate 10.99% from the second year, 11.9% in the first year.
• If within 90 days you do not close the loans for which you have refinanced at Raiffeisenbank, then the interest rate can be increased by 8 percent.
• Consolidation of up to 5 different loans.
• The minimum amount is 90 thousand, the maximum is 2 million rubles.
• From the documents you will need a passport and a 2-NDFL certificate for the last 3 months. If the amount is up to 300,000 rubles. - only a passport!
• Individual entrepreneurs do not receive loans.

Refinancing of 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 interest rate. You can refinance in MTS Bank a cash loan, credit cards, a loan for a product, a car loan. The refinancing application is sent online, and the decision will be known almost instantly (within 1 minute). If approved, to receive money, you must contact a bank branch or the nearest MTS salon.

Briefly about profitable refinancing of loans from MTS Bank

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

Where and how to refinance a loan if they refuse

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

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

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

1. Housing Finance Bank- for those who are denied refinancing by banks. In a credit institution, you can apply for a refinancing loan without refusal on the security of an apartment! An excellent refinancing option for those with a bad credit history!
2. - consumer loan in cash at a favorable interest rate for those who want to refinance loans in other banks. If you are a state employee, then feel free to send an application to this bank. The bank is loyal to this category of borrowers!
3. - if delays do not allow you to urgently refinance the loan, then the way out of the situation will be to apply for a loan for another person, for example, for parents or grandparents. UBRIR Bank offers favorable conditions for pensioners.

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

Do you want to send online applications for refinancing your loan to all banks at once? Unfortunately this is not possible. If you want to check in this way which companies will go to your meeting and approve the application, then you will have to do this manually with each of their organizations.

What is refinancing?

This is a banking service that allows your loan to reduce the monthly payment by extending the repayment period or to reduce the total amount of the overpayment by receiving a lower rate. At the same time, for the borrower, such a service means, first of all, convenience, because up to 5 different debts can be combined in one loan.

Basically, you go to the bank for a new loan that will cover the old one. Most often, they give out an amount equal in size to your debt, and you pay the same money, but at a reduced interest rate and with greater convenience. There are also companies that, in addition to the debt, issue more cash that you can spend for any purpose.

We are often asked: is it possible to refinance a loan in the same bank where it was issued? No, you need to go to another banking company and transfer your loan to them. This is the essence of on-lending - to change the lender.

The exception is, but there is also one nuance here: you can refinance a loan issued here, but only on the condition that you additionally combine it with loans from other organizations. For example, if you have debts to Sberbank and Alfa-Bank, these two loans can be combined into one and paid at a lower interest rate.

It is very important to remember that such a service is only available to customers who have no delays, i.e. their CI. If your reputation is tarnished by late payments and fines, you will be denied refinancing. In addition, you cannot re-register a debt to an MFI at a bank.

Why is it impossible to send an application to all banks at once?

Indeed, how convenient it would be if such a service existed: once - you filled out one application, and some system automatically sent it to all banking organizations in our country. But this is not possible for several reasons.

• Firstly, there are more than a hundred banks in our country, and not all of them, in principle, support the function of sending an online application for a loan or transferring it from another company,
• Secondly, such a service simply does not exist, for mass mailing. If someone offers you this option for money, it's just a person who wants to cash in on you. He will also manually select the companies where to send your profile, only you would do it yourself, otherwise he will also take money from you,
• Thirdly, mass mailing of applications to different banking companies significantly worsens your credit history. It is most optimal to send no more than 2-3 questionnaires to different institutions, and even then not immediately, but with some time intervals. Otherwise, you will be refused everywhere, even if you have a good job and earnings.

How to apply for refinancing?

To do this, you need to find out what banks are in the city in which you live. After that, clarify which of them have a refinancing service. The most convenient way to do this is through the Banki.ru portal, where you need to click on the "Consumer loans" section, then - an advanced search, indicate the city of residence and the purpose of the appeal.

Below we invite you to familiarize yourself with our recommendations on what should be the sequence of your actions:

1. First, you need to choose a company whose terms suit you, and where you would like to apply. The most advantageous offers can be found on this page;
2. Further, in one of the search queries, find a link to the official website of the bank where you plan to become a borrower.
3. After you have found the site, go to its main page and select the type of offer you need - "Refinancing".
4. After that, look for the button "" or "Online application". They are found on almost all sites;
5. Click on it and start filling in the empty fields. As a rule, the following information is required: name, gender, age, marital status, place of residence, availability of contact numbers, place of work, level of earnings. Some questionnaires may ask for additional information, for example, whether you have valid credit obligations or whether you have property that could be used as collateral.

Is it possible to reissue a loan over the Internet?

note , that submitting a questionnaire via the Internet does not relieve you of the need to visit a branch of a banking company. By filling out an application, you will only reduce the time that you would spend traveling to the offices of different banks.

If your application is reviewed by a specialist and approved, then you will need to visit the nearest bank office and provide all the necessary documents for verification. Most often required:

1. passport of a citizen of the Russian Federation,
2. one document of your choice,
3. the loan agreement in force at the moment.

After you bring the documents, they will also be reviewed and checked, on average, it takes from 1 to 3 working days. Some companies, for example, Rosselkhozbank, allow up to 7 days for this procedure.

If your documents are in order, the bank will make a final decision, after which you will again need to come to the office with a passport to sign the contract. The money is immediately transferred to the account of your original creditor, i.e. to the bank where you originally took out the loan.

You definitely need to go there to close the account and get a certificate of the absence of debt. You bring this certificate to the bank, where you applied for refinancing. If this is not done, then your% under the contract will increase. After - you pay off the loan according to the terms of your new contract.

In which banks can refinancing be profitable?

If you want to reissue a consumer or car loan, we can advise you to send an application to the following organizations:

1. - here you can get funds up to 2 million rubles for a period of up to 5 years at a rate of 9.99% per year. Without collateral;
2. - for privileged categories of citizens (employees of the budgetary sphere and government agencies), a rate of 10.9% per annum is offered for an amount within 3 million rubles. Loan period - up to 7 years, you need proof of income,
3. - also offers on-lending service at a rate of 11% per year for owners of private household plots, for other borrowers - from 11.5%. The amount is limited to 1 million, the return period is up to 60 months;
4. - this company has a rate ranging from 11.4 to 14.5% per year, it is possible to issue up to 2 million rubles. for 84 months. No commissions and collateral;
5. In you can get a loan for the above purposes of up to 3 million rubles, with a contract validity period of no more than 5 years. The percentage starts at 11.5%,
6. draws up a program to combine several debts into one. The rate is from 11.9 to 15.9% per annum, the amount is not more than 1 million rubles, the term of the agreement is up to 84 months.

You can use our advanced calculator with the ability to build a payment schedule and calculate early repayment at

With the help of refinancing at Sberbank, you can "collect" up to 5 loans into one. The Bank offers individuals favorable conditions for on-lending debts issued both in other banks and taken from Sberbank itself.

Key terms

As a result of refinancing, the client will receive a lower monthly payment and a low interest rate. So, the rate for the amounts:

• up to 500 thousand rubles will be 13.5%;
• over 500 thousand rubles - 12.5% ​​per annum.

For a new loan, the amount of borrowed funds can reach 3 million rubles at maturity 60 months.

The program of refinancing loans for individuals will help to solve several problems at once: to reduce the size of the payment, to receive an additional amount and to improve the convenience of service, since the debts will have to be paid once a month.

In this case, confirmation of loan repayment is not required. In addition, you do not need:

• provide collateral;
• attract guarantors;
• pay a commission for the issuance of loan funds.

Borrowers who have mortgage and consumer loans from other banks are given the opportunity to refinance under a separate program “Refinancing of mortgages and other loans”. As a result, the amount of debt will also be formalized in one agreement, mortgage or other housing will be pledged.

To use refinancing, you should contact the bank branch at the place of your registration. If the borrower is served on a salary project, then documents can be submitted to any branch, regardless of the place of registration.

The bank's decision is valid for 30 days. The loan is issued in one amount. The credited funds are used in a non-cash way to repay refinanced loans.

Who and what debts will be able to refinance

Sberbank refinances both its loans and debts in other banks. The borrower can close almost any debt: for cash loans, for the purchase of a car, for credit and overdraft cards of third-party lenders.

At the same time, consumer loans subject to refinancing must meet certain requirements:

• timeliness of repayment during the last year;
• the loan was issued more than six months ago;
• before the end of the contract 3 or more months;
• no debt restructuring was carried out.

How to refinance: 4 steps

The sequence of steps, if you need to refinance, does not differ from the steps for applying for a regular loan. Therefore, having decided to get more favorable conditions, the borrower needs to take 4 simple steps.

1. Visit a bank branch or branch for consultation.
2. Fill out an application form for refinancing on your own or with the help of a manager. Provide the documents required by the bank (a sample application and a list of documents are given below).
3. After a positive decision, sign a loan agreement.
4. Receive the amount and close the previous loan commitments.

Loan documents are reviewed in two days. If additional data is needed, the time for making a decision can be increased.

What documents are needed

To use the Sberbank refinancing program, you must submit:

• application form;
• passport, with a mark of registration at the place of residence;
• documents on previously received loans, including certificates or statements on the amount of debt;
• confirmation of income in the form required by the bank. If the requested amount is only for on-lending, then you do not need to provide documents on the financial condition.

The content of the questionnaire is an application for refinancing. The form consists of 7 sheets, contains information about the borrower, his property and income, as well as data on loan obligations.

A sample application for refinancing a loan from Sberbank (can be downloaded from the link):

1 2 3
4 5 6
7

There is no online application for this product. But when contacting the office, a bank specialist can fill out the form on his own from the words of the borrower.

After issuing a loan, Sberbank does not ask for certificates from other banks about closing debts. However, this does not mean at all that it is possible not to pay off the debt. If Sberbank finds out that the loan funds have not been spent for their intended purpose, it has the right to demand a full early repayment, and the borrower will be in a bad situation.

Pros and cons of the program

Refinancing has its positive and negative sides.

The advantages of the Sberbank program include:

• reduced interest, the result is less monthly installment and overpayment;
• a longer period of use of funds - this will also reduce payments;
• the minimum time for making a decision;
• there are no commissions at all;
• convenience of repayment - payment of one loan instead of several.

Among the shortcomings, one should highlight the strict requirements for the absence of delays in the last 12 months, as well as the inability to submit an application online on the bank's website.

Alternatives: the best offers of 2018 to refinance loans from other banks

Alternatively, the borrower should consider proposals from other financial institutions:

• Rosselkhozbank: borrowers are provided with funds up to 1 million rubles, the rate of 18.5% per annum in rubles and 12% - in foreign currency, for a period not exceeding 5 years.
• RaiffeisenBank has its own proposals, similar to Sberbank: the ability to refinance 5 loans for up to 2 million rubles, at a rate of 11.99%. Additional funds can be obtained. Refinancing does not require the consent of the current lender.
• Alfa-Bank offers up to 7 years at a similar rate of 11.99%. The amount increased to 3 million rubles. You can also combine up to five loans and get additional funds to a card, cash or account.
• VTB 24 has introduced slightly different conditions. The opportunity is provided to combine up to 6 loans, credit cards, with a standard period from six months to 5 years. However, the rate depends on the refinancing amount. Up to 599 thousand rubles - 14-17% per annum, with an amount over 600 thousand - 13.5%.
• Gazprombank offered clients of other banks to refinance only one loan for a seven-year period. The amount that the borrower can receive reaches 3.5 million rubles. at a rate of 12.25 to 15.75% per annum. Its size depends on the length of the loan term, the availability of collateral, the receipt of a salary from the bank, insurance.
• Post Bank offers refinancing on general terms and separately to pensioners. The annual percentage depends on the refinancing amount and ranges from 14.9 to 19.9%.

Analysis of banking services in the refinancing market shows that Sberbank, RaiffeisenBank and Alfa-Bank have the most acceptable conditions. They provide the ability to combine up to 5 loans into one and a low interest rate.

Gazprombank offers a low interest rate and a long term of on-lending, but this option can be applied to only one loan - there is no provision for combining five loans into one.

VTB 24's offer will be interesting, first of all, to the bank's salary clients. "Post Bank" may interest borrowers in a quick review of the application.

You can use a universal financial saving tool if you apply for loan refinancing. Bank loans have long and firmly become an integral part of our life. Almost everyone uses them. Every year there are more and more new offers with reduced rates and convenient terms of debt service. Refinancing (or re-lending) allows you to reduce the rate on existing debts, combine several obligations into one with more comfortable repayment terms. How to do it and where to go - below.

When should refinancing be used

There can be several reasons for re-lending, as a rule, they complement one another in symbiosis:

• Availability of several loans in different banks, for different periods and not always with favorable interest rates;
• Long-term lending(mortgage, car loans, business), the interest on which has become unprofitable due to global economic changes in the state or changes in the aggregate monthly income of the borrower;
• Difficult circumstances in life, which led to the failure of the loan repayment schedule and the need to urgently close it.

Let us dwell in more detail on each of the reasons and possibilities for re-crediting the existing obligations under it.

Where to start the refinancing procedure

Everyone, as a rule, has several credit products, this is a card, a consumer or commodity loan, and a loan taken for specific purposes is different for everyone. Times change, the state of the economy and the level of the borrower's income, and there is a perfectly justified desire to pay less and once a month. In this case, the debtor decides to refinance in another bank. The process algorithm is as follows:

♦ Contacting the bank (s) creditor (s) with a request to calculate the final amount of payment to be paid for a certain date. At the same time, it is imperative to clarify the conditions for early repayment, since many financial institutions apply penalties in this case;

♦ Contacting a bank in order to apply for loan refinancing (as a rule, this is your Main bank, ie the one in which you receive wages and have a good financial and credit history);

In the case of a positive answer from your bank, you will only be required to apply according to the standard of a financial institution, then usually banks will take over the entire procedure of re-registration and the documentary part.

The nuances of filing an application

The second option of the reason for obtaining a new loan is in many ways similar to the first, but at the same time it has its own nuances and pitfalls that must be taken into account when starting the refinancing procedure.

When calculating the profitability of the interest rate in a new bank, be sure to take into account such factors as:

• Penalties for early loan repayment;
• If this is a long-term loan secured by property (car), keep in mind that you will pay a high interest rate at the time of re-registration of the collateral to a refinancing bank. Because during the renewal, the loan is not supported by anything.

Given these nuances, before applying to the lender, it is worthwhile to carefully recalculate the economic benefits and feasibility. In most cases, with a competent approach, submitting an application online will help save money and gain time.

How refinancing works

The refinancing procedure itself is a process similar to obtaining a loan, in other words, you will be required to confirm your solvency, total income, collateral; at the request of a banking institution, it may also be mandatory to have guarantors.

With the development of the banking sector, electronic platforms and the information field, it became possible to agree on refinancing without leaving home, having a computer connected to the Internet and a mobile phone at hand. However, in order to obtain a positive result, a visit to the bank will be required. The issuance of a new loan for the closure of existing ones is provided mainly by banks that have a stable financial status and, as a rule, in one way or another have a state share of the capital.

Which bank to apply for loan refinancing

VTB Bank of Moscow is a prominent representative of reliable and stable financial institutions, where it is possible to arrange refinancing on favorable terms for the Client. Registration here is possible in all the cases described above, while having guarantees that the interest rate provided by the bank is the most profitable in the banking services market.

Basic requirements for the client:

1. Citizen of the Russian Federation (residing in the territory of the creditor, for example, in Moscow).
2. Age from 21 years.
3. Work experience of at least 3 months in the last job.
4. You are not undergoing bankruptcy proceedings.

The initial loan can be in euros, dollars, Russian rubles. At the same time, all types of obligations can be refinanced at VTB Moscow - mortgages, credit cards, auto and consumer loans.

It is important not to have overdue debt for more than 30 days during the entire period of servicing the obligation that you wish to refinance.

Depending on whether you are a client of VTB Moscow (you have a salary card) or you are applying for services for the first time, the bank has set different documentary requirements. To apply for loan refinancing, you need the following documents.

There is no need to contact a financial institution on your own. At the moment you have the opportunity to apply online. If you meet the bank's criteria, you can calculate the benefit of getting a new loan on the bank's website. Then leave a request and wait for preliminary confirmation by SMS. Next, you need to prepare the specified documents and contact the bank office. Verification takes 1-3 days. If the answer is yes, a loan agreement is concluded with you, and the refinancing of the loan takes effect.

What are the benefits for a client if he decides to submit an application to VTB Bank of Moscow

Submitting an application will allow the borrower to:

1. Reduce the interest rate to 13.9%
2. Change payment date
3. Extend loan term up to 5 years
4. Get "credit holidays", which will allow you not to pay the loan without fines
5. Combine all loans into one for an amount up to 3,000,000 rubles.

Do not aggravate your financial situation, seek help from credit institutions in time. If you are thinking about reducing your credit burden because you are tired of paying outrageous interest on the wrong days, refinancing will help resolve this issue. * Apply for refinancing online at VTB Moscow.

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