"Rosselkhozbank", refinancing of the loan: conditions, interest and programs of the bank

If you believe statistics, almost every second working country resident has loans. And most of them are listed not on one loan. Wanting to buy a favored product sooner, people go to banks, where their application for a loan is definitely approved. However, they forget to pay close attention to the proposed rates. What's the difference, the main thing is to become the owner of an expensive phone / car / apartment ...

When the moment of payment of credit payments comes, the picture spoils a bit ... Nobody wants to pay huge sums monthly. Then borrowers begin to look for ways to solve this problem: someone sells their much-desired subject of purchase, others decide on refinancing. The latter will be discussed later. Or rather, how is this procedure carried out in the Rosselkhozbank.

Refinancing of loans from other banks: description of the service

Rosselkhozbank, wishing to help rushed borrowers from other banks, has implemented such a service as refinancing loans. The essence of it is that the borrower draws up a new loan in Rosselkhozbank in the amount of the debt to another financial institution. If several loans were previously taken, they can be closed at the same time, having received one "large" loan in the company in question. Due to lower interest rates and a longer loan period, the level of monthly payments is significantly reduced. So, it will be easier to pay off the loan with the bank "Rosselkhozbank"!

Refinancing of loans of other banks is available here only in the absence of the client's overdue debts. This is because the new loan can cover only the main body of the loan and interest accrued on it, but not fines and penalties.

Procedure for issuing refinancing

If you want to formalize the refinancing of the loan in Rosselkhozbank, you should fill out the questionnaire and prepare the required package of documents. At the same time, you can fill out the application through the official website of Rosselkhozbank. Refinancing of consumer loans will then be made much faster. For this it is sufficient to have an Internet / personal computer with Internet access and some free time.

The application for refinancing a loan in Rosselkhozbank for individuals is processed within 3 working days. After that, the potential borrower will be notified of the decision. If the answer is positive - it will be necessary to supplement the package of documents with the missing "papers". Namely, an extract about the existing loan debt, a certificate of absence of overdue payments and a loan agreement.

Terms of Delivery

Potential clients of the credit institution under consideration will find it interesting and useful to know on what terms the refinancing is provided in Rosselkhozbank. The conditions are as follows:

• The amount of a new loan can not be more than the total amount of debts to other creditors. The maximum amount without security is 750,000 rubles, with security - 1,000,000 rubles. A loan of up to one million rubles can also be issued without security to participants in a salary project from Rosselkhozbank.
• The maximum loan period is 5 years.
• Security. If the loan subject to refinancing was provided for, then Rosselkhozbank will require the same. In the absence of such a condition, no provision will be required in the former bank. If necessary, as security, guarantees of physical persons, legal entities or pledge of liquid assets may act.

Rosselkhozbank favorably differs from a dozen banks by the possibility of choosing a borrower a way of paying loan payments. So, he can choose annuity (monthly payments are the same throughout the crediting period) or differentiated (the amount of the amount paid per month is gradually changing) type.

Interest rate

The size of the interest rate is determined by many components. So, first of all, its value determines the term of credit. For example, if you want to take a loan for a short period (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 to be taken within a period of 1-5 years, the refinancing rate at Rosselkhozbank will be 15% per annum.

But there is some list of events that may entail an increase or a reduction in the level of interest rates. They are as follows:

• +6% if the borrower / co-borrower does not agree to insure life and health, or in case of non-observance by these persons of this obligation throughout the whole period of the loan.
• +3% in the absence of documents confirming the targeted use of borrowed funds.
• -0.6% for "budget workers", salary customers, customers with a "white" credit history in Rosselkhozbank.

Requirements for borrowers

Within the framework of the article, it will be appropriate to write down the requirements for borrowers here. Thus, only persons who meet the following requirements can apply for refinancing their credit in Rosselkhozbank:

• Presence of Russian citizenship.
• Permanent registration in the region of treatment.
• Age of the client is from 23 years for the time of registration of the loan agreement and up to 65 years at the end of the loan term.
• The work experience from 6 months on the last place of work, the general experience - from 1 year. If the potential borrower is a salary client of Rosselkhozbank, the minimum work experience is reduced to 3 months.
• Customer's solvency. Here, all sources of the borrower's income are taken into account: official wages, additional earnings, social benefits, pensions and so on. If the amount proposed by the bank is not enough, then to increase the maximum amount of the loan, you can additionally attract co-borrowers. The husband / wife of the borrower, his parents or children and other individuals who are ready to assume the responsibility for timely repayment of the loan can act as them.

It is worth noting that "Rosselkhozbank" is ready to offer a refinancing service even to pensioners. And if the payment of pensions is made to the account opened with Rosselkhozbank, then the requirements for length of service will not be advanced.

List of documents

On-lending in the credit institution in question is permissible when the following list of documents is presented:

• Passport of a citizen of the Russian Federation.
• References confirming the existence of a permanent income for a potential borrower.
• Loan agreement for a loan subject to refinancing.
• A certificate from the previous bank about the amount of outstanding debt.
• When securing a loan: documents for collateral and (or) documents from guarantors / co-borrowers.

In rare cases, the bank has the right to change the list of required documentation.

Terms of Service

Under the terms of service Rosselkhozbank almost does not differ 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, early repayment of credit debts is permissible. For such actions, additional commissions and payments are not provided.

If you fail to pay the required amount in due time on the account of the required amount, the borrower will be fined 0.1% of the amount of the debt and a penalty equal to 20% per annum on the loan balance until the loan is fully closed. If the borrower fails to fulfill its obligations under the loan agreement, the bank is also entitled to impose a fine equal to 10 minimum wages. All the disagreements that arise will be decided in court.

It is worth noting that guarantors / co-borrowers are also responsible for timely closing of the loan. Therefore, if for any reasons the borrower ceases to pay monthly loan payments, then this burden goes to the shoulders of the guarantors.

Refinancing of a mortgage in Rosselkhozbank

Rosselkhozbank also offers its services in refinancing mortgages. However, in order to use it, you must meet the following basic requirements:

• The borrower's age is up to 65 years.
• Until the end of the term of the agreement on the existing mortgage there is at least 2 more years.

If desired, it is also acceptable to involve co-borrowers under this program. The maximum age at the time of expiration of the loan agreement should be no more than 60 years.

Is there any benefit?

Do I still need to take a loan from Rosselkhozbank? Refinancing mortgages of other banks and other types of loans will be more profitable here? What do you want to do? To answer this question will help preliminary calculation, performed on the proposed calculator on the official site of the bank "Rosselkhozbank." If the received amount of monthly payments turns out to be much lower, then you need to act more quickly and get a better loan in a new location. However, you should not forget about the need to pay for life insurance and health of the borrower. Perhaps a new loan with additional costs will be more costly.