Debts are always unpleasant, but the promises of credit institutions about the momentary receipt of the necessary amount for the purchase of dreams rarely leave people indifferent. The client submits an application, after which he receives a long-awaited loan. However, even if the borrower is completely confident in its solvency, unforeseen circumstances can always arise. In such a situation, it is necessary to seek a way to make debt payment on the most acceptable and favorable terms. Once in a similar position, first of all, you should find out which banks do the refinancing of the consumer loan.
What do need a loan refinancing
Many people take a variety of loans in banking institutions. Refinancing allows you to combine all debts on loans taken in different banks, in one credit institution, while the amount of debt is redistributed on the client for the client.
Naturally, such a service is not all. The bank puts forward a certain number of requirements that the client must match. For example, a good credit history of the borrower is of particular importance. If the client paid debt with delays, he will not be able to count on redistribution of the loan. Also important criteria for refinancing are the age of man, his citizenship, work experience, currency in which a loan was taken.
There are several reasons why customers seek refinancing:
- For the sake of reducing interest rate;
- To slow down the repayment process of the remaining debt;
- For convenience - all debts on loans can be paid in one bank organization, without spending time on hiking in various institutions.
Refinancing credit institutions
Banking organizations that are engaged in shifting, represent customers a variety of programs. The borrower may submit documents to several institutions at the same time, thanks to which he appears the opportunity to choose the most suitable offer.
Choosing a bank, the client must take into account the type of refinancing, which is suitable for him. For example, not all organizations consider mortgage loans. Most of them specialize in consumer loans, as the loans of this type are made more often than others.
So, what banks make refinancing consumer loan? First of all, it is worth paying attention to:
- Sberbank;
- BINBANK;
- Alfa Bank;
- Rosselkhozbank;
- VTB 24.
Each of the mentioned organizations establishes its interest rate, determines the terms of payments, and also places certain requirements for a potential borrower.
Sberbank
In Sberbank, refinancing is particularly simple if a person is already a bank client: his wage comes to a card of this credit organization, he has already paid or also pays a loan to the institution.
An individual can claim to refinance the loan in Sberbank, if:
- The age of the client - from 21 years and more (but not older than 75 years);
- Borrower is solvent (has a stable income every month);
- The potential client has solvent guarantors (3 people);
- The work experience of the borrower over the past 5 years should be equal to year. At the same time, the experience at the current workplace is at least 6 months;
- The amount of income is sufficient for payments for all debts.
These requirements are basic, however, the employee may report additional conditions.
This bank does not reduce the amount of debt that must be paid off, but reduces the amount of payment per month.
The service is not provided:
- Persons with informal income;
- People whose wages are insufficient for monthly debt payment.
Binbank
Worth the question of which bank does the refinancing of the loan, it is worth paying attention to Binbank. State employees, as well as citizens who already be customers of this organization, is carried out even for solid loan amounts (up to a million). Customers, just beginning cooperation with Binbank, can overlap debts whose sum is from 100 thousand to 500 thousand rubles.
Main conditions:
- Obtaining a cash loan is possible only in rubles;
- Loan time - from 2 to 7 years;
- In the first 3 months after receiving the loan, the interest rate is equal to 13.3% per annum, after this period the rate increases - it can be from 15% to 24.5%;
- The credit institution makes a decision on issuing finances within three days. The term of such a decision is a month. If the client does not confirm his application within 15 days from the date of the Positive Ansun District, the organization revises the refinancing conditions.
- The client is not obliged to make a deposit, he will not have to seek guarantors;
- You can pay debt every month. It is possible to pay off debt ahead of schedule.
Alfa Bank
There are a large number of factors affecting the decision of Alfa-Bank about refinancing. The terms of the contract in this organization are quite simple and similar to the conditions put forward by the rest of credit institutions:
- For citizens who receive salary in the bank, the smallest interest rate - 11.25% per annum, for potential customers - 11.5%;
- The greatest amount of the amount of financial assistance is 60 million rubles, the smallest - 600 thousand rubles.
The advantage of this bank is: they can refinance the consumer loan, and the mortgage.
Rosselkhozbank
Many customers are interested in which banks do refinancing loans with delay. Rosselkhozbank is one of these banks. At the same time, the drawing in this case is obliged to be minimal. Organizations are very important a good credit history, and with a great delay it can not be positive.
Refinancing registration occurs according to the following scheme: the client submits a petition, provides all the necessary paper, the bank considers the application for 3 days and reports the result.
Basic requirements of the bank:
- The currency in which the loan is issued - rubles;
- The maximum size of the loan is 750 thousand rubles, for people who receive wages to the Rosselkhozbank card - a million rubles;
- The potential borrower must be solvent;
- Loading time - up to 5 years;
- There is an opportunity for both partial and complete debt repayment;
- The Bank is engaged only by consumer loans;
- Necessarily having insurance.
VTB 24
Refinancing is carried out on attractive conditions, if a potential client is registered in an area that is covered by Monitoring VTB 24. A person can personally come to the nearest branch of the bank and submit. It is also possible to resort to online service.
Loading conditions:
- Varuing interest rate - 13.9-15%;
- The highest loan amount - 3 million rubles, the smallest - 100 thousand rubles;
- Loan time - from 0.5 years to 5 years;
- The greatest number of cards or loans that can be combined - 6;
- The overpayments and the amount of payment per month are minimized;
- It is possible to get an additional amount of money.
Having considered which banks offer refinancing of other bank loans, it can be concluded that very many credit institutions of Russia are ready to meet their customers. Removing is a common practice worldwide, so do not treat this service wary. However, to not be mistaken, initially carefully examine the conditions of all organizations, and only then make a choice in favor of one of them.
