Top 15 banks to refinance a loan
The refinancing procedure has recently become very relevant. It helps to repay the existing loan and take a new one on more favorable terms. This is necessary to reduce the interest rate or reduce the time of payment, and it can be both a mortgage loan and a microloan. Today, almost all large banks offer this service. In this case, the previous loan may be issued in other financial organizations.
Experts of our magazine offer to get acquainted with 15 banks that have developed the best programs for on-lending. The rating is based on the latest statistics and reviews of real customers who have already benefited from lucrative offers. This will help you choose the most suitable option based on your preferences and capabilities.
Rating of the best banks for refinancing a loan
| Nomination | a place | bank | rating |
| Top 15 banks to refinance a loan | 1 | VTB | 5.0 |
| 2 | Alfa Bank | 4.9 | |
| 3 | URALSIB | 4.8 | |
| 4 | Sberbank | 4.7 | |
| 5 | Rosbank | 4.6 | |
| 6 | Ural Bank for Reconstruction and Development | 4.5 | |
| 7 | Agricultural Bank | 4.4 | |
| 8 | Promsvyazbank | 4.3 | |
| 9 | Sviaz-Bank | 4.2 | |
| 10 | Mail Bank | 4.1 | |
| 11 | Gazprombank | 4.0 | |
| 12 | Raiffeisenbank | 4.0 | |
| 13 | Interprombank | 3.9 | |
| 14 | Ak Bars Bank | 3.9 | |
| 15 | Moscow Industrial Bank | 3.8 |
VTB
Rating: 5.0
The first place is occupied by the bank, which, according to clients and financial analysts, offers the most favorable and optimal conditions for refinancing existing loans. The rate starts from 11%. It can be increased provided that the loan amount is less than 500 thousand rubles. The duration of the contract is chosen individually, but it does not exceed 7 years for customers using salary cards and serviced under a corporate contract. The remaining applicants can expect up to 60 months.
At registration no collateral and guarantors will be required. For convenience, you can combine up to 6 loans into one, even if all of them are received in different financial institutions (at the same time, transfers to them are free of charge and the client will not incur additional burden). In addition to closing existing loans, the bank will offer to receive funds for various purposes.
The undoubted advantages include the absence of commission fees and the need to provide references for old loan agreements from third-party banks, a simple and understandable application form on the site. For more accurate information, please call the reference toll free number: 8800 100 24 24.
Alfa Bank
Rating: 4.9
In second place is the bank, which attracts more and more customers by providing favorable conditions for refinancing. Here you can get a new loan by closing a previous mortgage or loans in the MFI. The interest rate is calculated individually for everyone who applies, ranging from 11.99% per annum (for payroll card holders, for other categories of citizens, the figure reaches 16.99). The minimum amount is 50 thousand. R. When providing all the necessary documents, it can be increased to 3,000,000 rubles.
The bank offers not only the refinancing of a single loan, but also the combination of several in one with a more favorable rate, you can also withdraw property from pledge by issuing an unsecured loan. The term of the loan, you can choose yourself, the maximum possible - 7 years. The interest rate is not affected by the presence or absence of the insurance contract.
The organization does not refinance loans taken in foreign currency. In the pros, many customers have identified a convenient online application form, quick response to it and prompt processing of the loan. If you still have questions about the service, you can always contact the operator at a toll-free number: 8800100 2017.
URALSIB
Rating: 4.8
The third line of the rating is occupied by the bank, which is distinguished not only by profitable financial offers, but also by very fast execution of the contract. The interest rate starts at 11.4. It is available with health and life insurance. The term of full payment is determined by the client. It is from 12 months to 7 years. Conditions for obtaining standard. The borrower must be a citizen of the Russian Federation, at least 23 years old and have work experience of at least 3 months.
For the conclusion of the contract will require a passport and a second document. If the amount exceeds 250 thousand, a certificate confirming income is required for one of the three proposed forms. For a preliminary acquaintance with the conditions that will be offered to a particular borrower, you can enter your data on the site and calculate the cost estimate.
One of the important advantages of the bank is the possibility of combining an unlimited number of loans into one. Many noted that it would take only one visit to sign an agreement without collecting references for previous financial obligations, as well as receiving, if desired, a sum of money for any purpose. The bank does not issue loans for loans with overdue debts in foreign currency and received in MFIs. Telephone for information: 8800250 57 57.
Sberbank
Rating: 4.7
In the fourth place of the rating is the largest bank that will help to significantly reduce the rate, reduce the monthly payments and reduce the time for full settlement for any types of loans (mortgage, car, consumer). The most beneficial refinancing to payroll card holders, as well as government officials and employees of public organizations. Applications are considered not only under existing contracts in Sberbank, but also in other financial companies. The total number of loans combined into one should not exceed 5.
The term is chosen by the client. It can be from 3 months to 5 years. The minimum annual percentage is 12.9 (subject to the cost of the loan from 500 thousand rubles). Up to this amount, an increase of 1%. The appealed citizen may receive additional funds for their purposes.
Good conditions are provided to those customers who have never previously accessed and cooperated with the bank. Many noted that the application is simply made on the website or in any branch, the conclusion does not take much time, the fee for the transfer of funds is not charged. Operators will answer all questions by phone number: 8495500 55 50. Free mobile call: 900.
Rosbank
Rating: 4.6
Many customers have chosen this institution because of favorable conditions and simple and quick loan processing. Rosbank - in fifth place in our rating. He has developed several refinancing programs for various categories of citizens. It can be holders of cards, corporate clients, the first time borrowers have applied for the service. The amount that can be approved varies from 50 thousand to 3 million rubles.
The bank assists in closing various types of loans: mortgages, car loans, overdrafts. The main requirements for the borrower: citizenship of our country, permanent registration in the region where the loan is issued, confirmed by a certificate income of at least 15 thousand rubles. Transfer of funds to other financial companies is free of charge.At the request of the applicants, you can combine several obligations into one and get a free amount for other needs.
Customers liked the services provided. Many have been able to significantly stabilize their financial situation by contacting Rosbank and reduce interest rates and payments. Preliminary costing can be done directly on the site and choose the best loan product. For more information, please call: 8800200 54 34.
Ural Bank for Reconstruction and Development
Rating: 4.5
UBRD is located on the sixth line of the rating. He became the most popular thanks to special programs for refinancing consumer loans. The conditions for issuing a new loan depend on the solvency (confirmed by a document in the form of a bank or 2-NDFL) and the category of the applicant. Holders of cards, which are transferred wages, are provided with the most profitable products. The percentage of the new loan will be 13.
Other clients will be offered 15-19% per annum. And within 60 days, this rate can be changed to the lower side. Requirements for citizens are quite loyal. Age limits are reduced and constitute a figure from 19 to 75 years old at the date of the complete closing of the loan. The main thing is to register in the area where the institution is located, and the work experience of 3 months.
The advantage was the possibility of early closing of the loan without removing additional commission funds. Many respondents spoke positively about a convenient Internet service that helps to pre-estimate new credit conditions and submit an application. Private customers can use the telephone number to clarify credit programs: 8800 1000 200.
Agricultural Bank
Rating: 4.4
The bank has long earned the reputation of a stable financial enterprise, so it ranks seventh in the rating. Thanks to several programs, it helps in a short time to significantly reduce the amount of payments and reduce the pressure on the family budget. The appealed citizen can refinance consumer, automobile loans (total amount not more than 3) or mortgage, issued in third-party organizations.
The contract is for up to 5 years. If a citizen is a member of payroll projects, then it can be extended for another 24 months. Life insurance is optional, it is carried out only at the personal desire of the borrower. Commission for the issuance and transfer of money to other banks is not charged. The minimum loan amount is 10,000 rubles, the maximum is 3 million rubles. The condition necessary for a positive decision is the absence of debts on existing loans that need to be refinanced.
An important advantage was the ability to choose the date of payment transfer by the client. He himself designates a 5, 10, 15 or 20 number, and also chooses between an annuity and a differentiated scheme. All details about special products can be found on the website or by phone: 8800100 01 00.
Promsvyazbank
Rating: 4.3
Located on the eighth line of the bank, the bank offers favorable interest rates on refinancing existing loans. The minimum figure is 9.9%. If several conditions are met, it can be reduced to 6.9. This is the conclusion of a contract of personal insurance and the absence of delays in mandatory payments during the first 12 months after registration. The amount that the applicant can count on: from 50 thousand to 3 million rubles.
In addition to repaying several loans in third-party financial institutions, he may receive additional funds for any needs. The conclusion of the contract does not take much time. Enough one visit to the bank and the presence of a minimum of documents. The calculation can be made online at the site. Costing does not cause difficulties, everything is clear and accessible.
Customers especially highlighted the opportunity to take advantage of the “Credit Holidays” program, not to pay the loan, thereby stabilizing their financial situation for 2 months in the event of job loss or disability during this period. Also, many people liked that the payment date is set according to their personal wishes. The hotline telephone will help you to find out about special offers and choose the most advantageous for you: 8800333 03 03.
Sviaz-Bank
Rating: 4.2
According to statistics, a quarter of applications to the bank relate to the refinancing service. This is due to very favorable programs and loyal requirements for borrowers. Sviaz-Bank is on the ninth line of the rating. It helps to complete commitments to one or more third-party financial organizations, significantly reduce the amount of payments and the repayment time of car loans and consumer loans.
The rate starts at 13.9%, but if desired, and in compliance with the requirements of the bank, it can be reduced to 11.9. In total, the number of existing loans that need refinancing should not exceed 5. The repayment of a new loan is given up to 7 years. The maximum amount for closing debt - 3000000 p. The main conditions: the age of the borrower is 21 years old, the citizenship of Russia, the total work experience is at least 12 months.
According to surveys, the application is quickly processed; in the event of a negative response, the bank will offer a smaller amount or individual loan conditions. Many pointed out that neither collateral, nor guarantors would be required, and commission fees for issuing and transferring funds were not taken. On the site, you can use the calculator for the preliminary calculation. 24-hour contact phone number (free for all residents of the Russian Federation): 8800500 00 80.
Mail Bank
Rating: 4.1
The bank closes the top ten of the rating, which has created favorable conditions for on-lending for all categories of citizens, including pensioners. It helps to significantly reduce the financial pressure on the family budget, with all payments being made in one organization and on the day of the month when it is most beneficial for the client. The program involves consumer and automobile loans without overdue debts during the last six months.
The rate starts at 12.9% and is intended for payroll card holders. Further, it is calculated on the basis of the category to which the applied citizen belongs, and the documents submitted. The maximum amount and term for pensioners is 200,000 r. for 3 years, for other clients - 500 thousand rubles for 5 years.
The application can be sent online, if you wish to receive money for your needs (it is necessary to indicate this in the corresponding box). The answer comes by SMS message very quickly, in the case of even a long review - no later than the next day. The bank does not refinance loans issued by VTB. If you have any questions, then they will be answered by qualified staff at the number: 8800550 07 70.
Gazprombank
Rating: 4.0
Further, the rating includes a financial institution with several refinancing rates. It provides an opportunity to close liabilities to third-party banks for a car, mortgage or consumer loan with a significant improvement in liabilities. The term can be determined based on the amount and the desire of the client, the maximum - 7 years. The rate starts at 10.8%. It depends on the solvency and other factors that are considered in the bank individually. 2,000,000 p. - the maximum amount to close existing loans (one or more).
Guarantors at registration will not be required, as well as collateral. Conditions for conclusion are standard. It is important that if there is at least one delay on the current payments that are supposed to be refinanced, the bank has the right to refuse the client a loan.
According to the reviews, many were satisfied with the company's offers, liked the quick application procedures and loan processing, orientation to various categories of citizens, quite acceptable requirements. It was also noted that the answer is not delayed, it comes fairly quickly. Single number in Russia for pricing programs: 8800100 07 01.
Raiffeisenbank
Rating: 4.0
The bank included in the rating offers optimal conditions for borrowers who already have one or several loans in other organizations and want to reduce the rate, the amount of payment or shorten the contract period. If you wish, you can get additional cash for personal needs. He refinances mortgages, consumer non-target loans and cards. The minimum bid is 10.55. Further, it may change downwards if all contractual requirements are met.
The application is very simple is made on the site. The solution does not take a long time. The answer can be obtained within a few minutes and if it is positive, immediately begin the registration procedure. For amounts up to 300 thousand rubles. it is enough to have a passport of the Russian Federation with a permanent residence permit, up to 1,000,000 r. - passports and certificates of income. For 3 million rubles will require both documents plus proof of employment.
Many have noted that it is possible to find out any information in different ways, the most convenient for a particular client. This can be an appeal to the call-center itself or order a call back, online consultation or a visit to any of the offices of the financial company. Toll-free number from all phones in the Russian Federation: 8800770 75 64.
Interprombank
Rating: 3.9
A bank was selected for the rating, which offers a variety of programs for the profitable replacement of several existing loans in various financial institutions with one with a convenient repayment schedule and a reduced rate. If desired, you can reduce or, on the contrary, increase the time for servicing a new loan. This can be a term from 6 to 60 months. The age of the client - from 18 years. The undoubted advantage is the possibility of refinancing for retirees.
45000 rub. - the minimum loan amount, 1.1 million rubles. - maximum. With a positive credit history, you can take money for any purpose. A negative response to the sent online application can be obtained in case of overdue debts on one of the obligations, the total work experience is less than 1 year, in the last place - less than 3 months.
A plus is the combination of any number of loans, the absence of commissions and guarantees. The downside is that the refinancing service is available only to residents of Moscow and the Moscow region with permanent registration. The bank also participates exclusively in refinancing consumer loans, excluding mortgages and car loans. All questions will be answered by phone number: +7495232 20 50.
Ak Bars Bank
Rating: 4.9
The next financial company included in the rating will refinance any types of loans, including overdraft, consumer, mortgage and car loans taken in different banks. In total, no more than 5 are combined. The conditions are very favorable, especially for holders of salary cards (which have exceeded 3 months) and participants in collective life insurance. New loan is issued to a wide range of citizens. The main thing is that the solvency requirements fully suit the bank. This includes hired workers, business owners and individual entrepreneurs.
If desired, the bank provides additional finance for personal consumption. Fees for the issuance and transfer of money are not carried out, there is no need for collateral. The new loan is paid in equal parts. With the possibility and desire for early closure, no restrictions on the amount and time will follow.
The application is filled out on the site in less than three minutes and is sent online. After prior approval, a visit to the institution is required for a final decision. The package of documents is minimal, the requirements are standard. The amount can vary from 100 thousand to 2 million rubles.The rate with insurance - 11%, without it increases by 3%. Helpline: 8800200 53 03.
Moscow Industrial Bank
Rating: 4.8
Our rating is completed by one of the largest banks in the country, which has developed several profitable programs for refinancing. This or several loans in different third-party organizations, or a mortgage loan. Participation in them can holders of salary cards, state employees, retirees, investors. The rate starts at 10.5%, the maximum - 15.2. Security is not required for an amount of up to 1,500,000 rubles.
Up to 3 mln. A mortgage of real estate is required, which is located in the region where the bank is located. The loan is repaid by annuity payments. The date of the month can be set on the basis of its own capabilities. Early repayment fee is not charged. The client must not be less than 21 years old and over 65 years old at the time of the last transfer to the bank. Work experience - more than six months in one place of work. Income is documented.
The institution provides the opportunity to refinance the mortgage at a more favorable rate compared to other banks. Before submitting an application, you can calculate the amount of monthly payments on the online calculator. Contact is made by feedback where you can order a call or ask a question. For mobile phones there is a number: 7474.
Attention! This rating is subjective, is not advertising and does not serve as a guide to the purchase. Before buying, you should consult with a specialist.
