If you believe the statistics, almost every second working inheritant has loans. Moreover, most of them are not a single loan. Wanting more likely to buy a fit product, people go to banks, where their application for loan design will definitely approved. At the same time, they forget to pay close attention to the proposed rates. What is the difference, the main thing is to get the owner of an expensive phone / machine / apartment ...
When the moment of payment of credit payments is coming, the picture will deteriorate a little ... I do not want to pay huge amounts monthly to anyone. Then borrowers begin to look for ways to solve such a problem: someone sells their such desired purchase subject, others are resolved for refinancing. About the last and will be discussed. More precisely, how this procedure is produced in the bank "Rosselkhozbank".
Refinancing of other bank loans: service description
"Rosselkhozbank," wanting to help you hurried borrowers of other banks, implemented such a service as refinancing loans. Its essence is that the borrower issues a new loan in Rosselkhozbank in the amount of the amount of debt before a different financial institution. If several loans were taken earlier, they can be closed at the same time by receiving one "large" loan in the company under consideration. Thanks to lower interest rates and long-term credit, the level of monthly payments is significantly reduced. So, to pay a loan will be easier with the bank "Rosselkhozbank"!
Available here only in the absence of expired arrears. This is explained by the fact that only the main body of the loan and interest accrued on it can be covered, but not fines and penalties.
Procedure for refinancing
If desired, to arrange Rosselkhozbank, you should fill out a questionnaire offered by the Bank and prepare the required package of documents. At the same time, you can fill in the application through the official website of the Bank "Rosselkhozbank". Refinancing consumer loans will then be issued much faster. This is enough to have the Internet / personal computer with Internet access and some free time.
Consideration of the application for "Rosselkhozbank" for individuals is made within 3 working days. After that, the potential borrower will notify about the decision. If the answer is positive - it will be necessary to supplement the package of documents with the missing "papers". Namely, I discard about the existing credit overdue payments and the contract on the loan.
Terms of provision
The potential clients of the considered credit institution will be interesting and useful to find out, under what conditions refinancing in Rosselkhozbank is provided. Terms here are as follows:
- The sum of the new loan can not be more than the total amount of debts in front of other creditors. At the same time, the maximum amount without collateral is 750,000 rubles, with the provision of 1,000,000 rubles. The loan to a million rubles can also be issued without ensuring the participants of the salary project from Rosselkhozbank.
- The maximum loan term is 5 years.
- Security. If the loan, which is subject to refinancing, the provision was provided, then Rosselkhozbank will require the same. In the absence of such a condition in the former bank, the provision is also not required here. If necessary, guarantee of physical, legal entities or a pledge of liquid property may be as collateral.
Rosselkhozbank is favorably different from a dozen banks by choosing a borrower of payment of credit payments. So, he can choose an annuity (monthly payments, the same during the entire loan period) or differentiated (the amount of the amount paid per month gradually changes) type.
Interest rate
The amount of interest rate is determined by many components. So, first of all its magnitude determines the loan period. For example, if you wish to take a loan for a short time (up to 12 months), the loan will be calculated taking into account the interest rate equal to 13.5% per annum. If the loan is assumed for 1-5 years, the refinancing rate in Rosselkhozbank will be equal to 15% per annum.
But there is some list of events that can entail an increase in or reducing interest rates. They are as follows:
- +6% In case of disagreement of the borrower / co-coaches to insure life and health, or in case of non-compliance with these persons of this obligation throughout the entire period of credit.
- +3% in the absence of documents confirming the target use of borrowed funds.
- -0.6% for "state employees", salary clients, customers with the "white" credit history in Rosselkhozbank.
Requirements for borrowers
As part of the article, it will be appropriate to paint and requirements for borrowers here. So, only persons satisfy the following requirements can claim to refinance its loan in Rosselkhozbank:
- The presence of Russian citizenship.
- Permanent registration in the circulation region.
- The age of the client from 23 years at the time of registration of the loan agreement and up to 65 years at the end of the loan period.
- Work experience from 6 months at the last place of work, the overall experience is from 1 year. If a potential borrower is a salary client of the Rosselkhozbank Bank, then the minimum work experience is reduced to 3 months.
- Customer solvency. Here, all sources of income of the borrower are taken in the calculation: official wages, additional earnings, social payments, pension and so on. If the amount suggested by the bank is not enough, then to increase the maximum amount of loan, you can additionally attract coaches. As them, the husband / wife of the borrower, his parents or children and other individuals, ready to take responsibility for the timely loan payment.
It is worth noting that Rosselkhozbank is ready to offer refinancing service even to pensioners. Moreover, if the payment of pensions is made to them on the account, open in Rosselkhozbank, then the requirements will not extend.
List of documents
Removing in the credit organization under consideration is permissible upon presentation of the following list of documents:
- Passport of a citizen of the Russian Federation.
- Certificates confirming the presence of permanent income from a potential borrower.
- The loan agreement on the loan subject to refinancing.
- Help from the former bank about the sum of the remaining debt.
- When providing a loan: documents for mortgage property and (or) documents from guarantors / co-coaches.
In rare cases, the Bank has the right to change the list of required documentation.
Terms of Service
Under the terms of service, Rosselkhozbank is almost no different from its "rivals". So, having received refinancing here, the borrower will also be obliged to make certain payments according to the established schedule. If desired, permissible early repayment of credit debt. For such actions, the introduction of additional commissions and payments is not provided.
If the required amount of the borrower is not expelled at the expense of the required amount of the borrower, a fine of 0.1% of the debt amount and a penalty, equal to 20% per annum, to the rest of the loan to the full closing of the loan. If the borrower fails to fulfill obligations under the loan agreement, the Bank is also entitled to impose a penalty equal to 10 minimum wage. All the disagreements arising at the same time will be solved in court.
It is worth noting that guarantors / co-coaches are also responsible for the timely closure of the loan. Therefore, if for some reason the borrower ceases to pay monthly credit payments, then this burden turns on the shoulders of guarantors.
Refinancing Mortgage in Rosselkhozbank
Rosselkhozbank also offers its services in the refinancing of the mortgage. However, to take advantage of it, you need to meet such basic requirements:
- The age of the borrower is up to 65 years.
- Before the expiration of the term of the contract for the current mortgage there are at least 2 years.
If desired, according to this program, it is also permissible to attract coaches. The maximum age of them at the time of the expiration of the loan agreement should be no more than 60 years.
Are there any benefit?
Do you still need to take a loan in the bank "Rosselkhozbank"? Refinancing mortgages of other banks and other types of loans will be more profitable here? What else to do? A preliminary calculation made on the proposed calculator on the official website of the Rosselkhozbank bank will help to answer this question. If the resulting amount of monthly payments is much lower, then you need to act soon and get a more profitable loan in a new place. However, it is impossible to forget about the need to pay for the insurance of the life and health of the borrower. Perhaps a new loan with additional expenses will be more costly.
