How to refinance at Sberbank and get a reduced rate: refinancing rules and tariffs. Refinancing at Sberbank

With the help of refinancing at Sberbank, you can “collect” up to 5 loans into one. The bank offers individuals favorable conditions for refinancing debts issued both in other banks and in 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 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 loan refinancing program for individuals will help solve several problems at once: reduce the size of the payment, receive an additional amount and increase the convenience of servicing, since you will have to pay off your debts once a month.

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

• provide collateral;
• attract guarantors;
• pay a commission for issuing credit funds.

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

To take advantage of refinancing, you should contact the bank branch at your place of registration.

If the borrower is served under 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. Credited funds are used non-cash to repay refinanced loans.

Who can refinance what debts?

Sberbank refinances both its loans and debts from other banks. The borrower can pay off almost any debt: cash loans, car loans, credit and overdraft cards from third-party lenders.

• timely repayment over the past year;
• the loan was issued more than six months ago;
• 3 or more months before the end of the contract;
• There was no debt restructuring.

How to refinance: 4 steps

The sequence of steps if you need to refinance does not differ from the steps to apply 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 office for consultation.
2. Fill out the refinancing application form yourself 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 previous credit obligations.

Loan documents are reviewed within two days. If additional data is needed, the decision period may be extended.

What documents are needed

To take advantage of the Sberbank refinancing program, you must submit:

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

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

Sample application for loan refinancing at 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 independently according to the borrower.

After issuing a loan, Sberbank does not request certificates from other banks about debt closure. However, this does not mean that you can not pay off your debts. If Sberbank finds out that the loan funds were spent for other purposes, it has the right to demand full early repayment, and the borrower will not be in the best situation.

Pros and cons of the program

Refinancing has its positive and negative sides.

The advantages of the Sberbank program include:

• the interest rate is reduced, the result is a smaller monthly payment and an overpayment;
• a longer period of use of funds will also reduce payments;
• minimum period for making a decision;
• There are absolutely no commissions;
• convenience of repayment - paying for one loan instead of several.

Disadvantages include strict requirements for the absence of arrears 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 for refinancing loans from other banks

As an alternative, the borrower should consider offers from other financial institutions:

• Rosselkhozbank: borrowers are provided with funds up to 1 million rubles, the rate is 18.5% per annum in rubles and 12% in foreign currency, for a period of no more than 5 years.
• RaiffeisenBank has its own offers similar to Sberbank: the opportunity to refinance 5 loans in the amount of up to 2 million rubles, at a rate of 11.99%. Additional funds may be available. Refinancing does not require the consent of the current lender.
• Alfa-Bank offers up to 7 years at a similar rate - 11.99%. The amount has been increased to 3 million rubles. You can also combine up to five loans and receive additional funds on your card, cash or account.
• VTB 24 has introduced slightly different conditions. It is possible to combine up to 6 loans, credit cards, with a standard term of six months to 5 years. However, the rate depends on the amount of refinancing. Up to 599 thousand rubles - 14-17% per annum, for amounts over 600 thousand - 13.5%.
• Gazprombank offered refinancing of only one loan for a seven-year period for clients of other banks. 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, salary receipt from the bank, and insurance.
• Pochta Bank offers refinancing on general terms and separately for pensioners. The annual percentage depends on the amount of refinancing and ranges from 14.9 to 19.9%.

An analysis of banking services in the refinancing market shows that the most acceptable conditions are offered by Sberbank, RaiffeisenBank and Alfa-Bank. They provide the opportunity to combine up to 5 loans into one and a low interest rate.

Gazprombank offers a low interest rate and a long refinancing period, however, this opportunity can only be applied to one loan - combining five loans into one is not provided.

The VTB 24 offer will be of interest, first of all, to the bank’s salary clients. Pochta Bank may interest borrowers in quickly reviewing the application.

Do you need to find out how to get a loan from Sberbank and is it worth it? We suggest you read the terms and conditions of several bank refinancing programs and decide whether it makes sense for you to re-register your debt with this organization.

What is refinancing?

This service involves transferring a loan from a third-party company to Sberbank. For example, you previously received loans from Renaissance Bank, and then you wanted to switch to Sberbank. Your debt to the first creditor is closed ahead of schedule, and you will pay the new bank under new conditions.

What can be done:

• reduce the interest rate,
• reduce monthly payment,
• extend the term of the contract,
• re-register the pledge, or remove the encumbrance altogether,
• receive additional funds for personal purposes,
• combine several loans into one.

Refinancing in certain situations is the only opportunity to reduce your monthly debt burden, avoid fines and high late fees, get a new loan with more favorable terms and keep your credit history positive. Read more about the service at this link.

An important condition is that you have a positive CI, i.e. you should not have any delays, fines or lawsuits on past or current loans. In addition, debts to microfinance organizations cannot be refinanced.

Consumer loan refinancing

Sberbank offers one of the lowest interest rates among other banks, and its offers allow you to combine several debts in one loan. At the same time, a consumer loan may include a consumer loan itself, a car loan, a trade loan and card debt.

In addition, if you are renewing a personal loan and requesting an amount not exceeding the balance on your existing loan, you will not need to collect employment and income statements from your employer.

The service is provided under the following conditions:

• Amount from 30 thousand to 3 million rubles. It can combine up to 5 different loans, which may include trade and car loans, as well as a credit card limit. It is necessary that their total amount is no more than 1.5 million rubles, and the validity period is at least 6 months.
• In addition, it is possible to take out an additional amount without increasing the loan payment. Read more ;
• The loan period is maximum 5 years.
• The interest rate will be from 11.5 to 12.5% ​​per annum.

Mortgage refinancing

In this case, you can re-issue an existing debt to another company and enter into a new agreement with Sberbank of Russia. At the same time, you can additionally take out other loans, for example, a car loan or a card, as well as receive cash for your own needs.

• Amount from 500 thousand rubles,
• Interest rate from 9.5% per annum,
• The contract period is up to 30 years,
• collateral
• No certificate or consent from the original creditor is required.

When refinancing a mortgage, the guarantee of debt repayment is real estate, which will be pledged to the lender until the debt is fully repaid. You should calculate in advance the benefits of switching to another bank, because... you will have to incur additional costs for revaluation of the home, its insurance, and re-registration.

Please note that when applying for refinancing, you will not have the opportunity to return taxes through the property tax provided for in Article 220 of the Tax Code of the Russian Federation

Loan requirements:

1. No current overdue debt.
2. Timely repayment of debt within the last 12 months.
3. The validity period of the refinanced loan at the time of application is at least 180 calendar days from the date of conclusion of the loan agreement.
4. The period of time before the end of the loan agreement is at least 90 calendar days.
5. No restructuring of refinanced loans for the entire period of their validity.

How is the interest rate determined:

How to get a?

The application is submitted at any Sberbank branch in the region of your registration. In this case, you need to collect a standard package of documents - a passport with a registration mark, a certificate of income, a copy of the work book. In the case of lending secured by real estate, you will need papers for it too.

And if your application is approved, a new loan agreement will be concluded with you and money will be transferred to your account to close the initial loan. The debt will need to be repaid and contact the bank to obtain a certificate of closure of the loan.

This certificate must be brought to a Sberbank branch to confirm the intended use of the funds allocated to you. If this is not done within a certain period (up to 2 months), then your rate may be increased.

Required documents:

• Loan Application
• Passport of a citizen of the Russian Federation (only temporary registration is allowed, but with documents confirming permanent registration).
• Certificate of income (not requested if the loan amount is equal to the outstanding balance on the repaid loans).
• Information on loans that are subject to refinancing.

Anyone can find themselves in a difficult situation in which they urgently need money, and because of the urgent need for funds, or because the necessary documents are missing, we apply for a loan on terms that are not favorable to us - this may be a loan with large interest or for too short a period. If you wish, you have the opportunity to change the terms of the loan. If you resort to loan refinancing, this will help you reduce your loan burden and also significantly reduce the amount of your overpayments on the loan. Not all banks offer this service to clients, but Sberbank of Russia offers it.

We invite you to familiarize yourself with the parameters indicating the benefits of refinancing loans at Sberbank.

Loan refinancing at Sberbank for individuals:

1. Possibility of obtaining loans under , resulting in less overpayment for received loans and monthly payment amounts.

2. The possibility of increasing the loan repayment period reduces the size of monthly payments.

3. Possibility of combining no more than 5 loans taken from different banks into one loan from Sberbank of Russia.

4. The possibility of converting a foreign currency consumer loan into ruble, and ruble into foreign currency, which brings benefits to the client. After all, everyone knows about certain changes in the ruble exchange rate in the foreign exchange market.

Refinancing a mortgage loan from Sberbank to an individual:

1. By re-issuing a loan at a lower interest rate, you receive lower monthly payments and overpay less money.

2. It is possible to increase the loan repayment period to 5 years. But this is not very profitable, since the amount of the monthly payment decreases slightly.

Conditions for refinancing a loan at Sberbank

When applying for consumer loans:

1. Loan repayment terms range from 3 months to 5 years.

2. The minimum loan is issued in the amount of 30 thousand rubles. The maximum loan amount is 3 million rubles.

3. There are no commissions.

4. You receive a loan in rubles.

5. are different and comprise:

The interest rate will be from 12.5% ​​to 13.5% per annum (depending on the amount)

Loan amount: from 500,000 ₽ Interest rate: 12.5%

Loan amount: up to 500,000 ₽ Interest rate: 13.5%

Requirements for borrowers to obtain a loan

To receive a loan, you must meet the following age and length of service requirements. Your age must be between 21 and 65 years (up to 75 years for a home loan). Work experience of 6 months at the last place of work and total work experience of 1 year over the last 5 years *.

* For clients receiving a salary/pension into an account with Sberbank of Russia, the requirement to have a total work experience of at least 1 year over 5 years does not apply. For working clients receiving a pension into an account with Sberbank of Russia, the total work experience over the last 5 years must be at least 6 months.

What loans can be refinanced at Sberbank

Received from other banks

• Consumer loans
• Car loans
• Credit cards
• Debit cards with overdraft allowed

Received from Sberbank*

• Consumer loans
• Car loans

* Subject to simultaneous refinancing of at least one loan provided by a third-party bank.

Requirements for refinanced loans

• Timely repayment of debt within the last 12 months
• The validity period of the refinanced loan at the time of application is at least 180 calendar days from the date of conclusion of the loan agreement
• The period of time before the end of the loan agreement is at least 90 calendar days
• No restructuring of refinanced loans for the entire period of their validity

Necessary documents for refinancing at Sberbank

In order to apply for refinancing, you must provide the following documents to Sberbank of Russia:

• Your application form;
• Your passport of a Russian citizen with a registration mark;
• Number and date of loan conclusion;
• Certificate with information about the refinanced loan:

1. The expiration date of the loan agreement or the validity period of the credit card/debit bank card for which the overdraft has been opened;
2. The amount and currency of the loan under the agreement, the credit limit on a credit card or the overdraft limit on a debit bank card;
3. The interest rate on the loan;
4. Amount of monthly payment;
5. Remaining debt.

• Certificate with details of your account opened for the purpose of repaying the refinanced loan:

1. Number of the Borrower's account from which the loan is repaid from the Primary Lender (number of the current account/deposit account/bank card account of the Borrower);
2. Details of the Primary Creditor: correspondent account number, BIC, INN, name, location address, as well as current account number.

How to get refinancing?

The loan can be issued in the same way as other loans. To do this, come to us with the necessary package of documents and write an application form. After reviewing your application, the bank will call you and notify you of the result. Once the loan is approved, you can receive the money within 30 days.

What is the processing time for a loan application at Sberbank?

The main application processing period is 2 business days. The period may be increased to 7 days at the discretion of the bank.

Applying for a loan is the easiest way to purchase property that cannot be purchased immediately and for cash. However, this is not always a good idea. Often long-term loans turn into real bondage, since the borrower is not able to repay them. In this case, the straw for a drowning man is refinancing from Sberbank. How is it done? And under what conditions? This is what we will talk about next.

Brief essence of refinancing

Refinancing is a new loan that provides the opportunity to repay an old loan. In this case, the previous loan must be reissued for a larger amount and in another bank. And although not all credit institutions have such programs, they are available in Sberbank of Russia. We will tell you further about how on-lending works at Sberbank.

Software programs at Sberbank

At the moment, the following operate in Sberbank:

• for refinancing housing loans;
• for consumer lending for the purpose of refinancing.

What kind of mortgage refinancing program is this?

If you have a large and unaffordable mortgage loan, it makes sense to choose refinancing. Moreover, this program is designed not only for the full repayment of an “expensive” mortgage, but also for obtaining a new loan for the construction of a residential house or apartment if desired (provided that you obtain permission for ownership). So, what are the conditions for such lending?

When describing the terms of the loan, we will be extremely brief. Firstly, the loan is issued in national currency and in an amount of at least 300,000 rubles. In turn, the maximum you can count on is an amount not exceeding 80% of the total cost of the secondary or primary home - one, and no more than the balance of your debt on the previous loan - two. By the way, if secured with collateral, the total loan amount will also not exceed 80% of the expert estimate.

Secondly, refinancing at Sberbank involves taking out a loan without the traditional issuance fee for a period of up to 30 years.

What are the interest rates for mortgage refinancing?

The rate for the mortgage refinancing program at Sberbank directly depends on the expected maximum term of the loan issued, as well as on whether you are a salary client of this financial institution. For example, for a term of up to 10 years, the loan rate for salary clients will be 13.75%, up to 20 years - 14%, and up to 30 - 14.25% per annum. If you are not a client of Sberbank and are applying for a loan here for the first time, feel free to add another 0.5% per annum to the above-mentioned base rate.

What are the requirements for collateral?

If you want to get a loan from Sberbank, be prepared to provide collateral. It can be used for housing that is ready or under construction, for which a mortgage loan has already been issued. Or you can pledge any other valuable property equal to the loan amount issued. If you wish, instead of material security, you have the right to make a deposit of at least 3,000,000 rubles.

Insurance: is it necessary or not?

When drawing up an agreement to refinance a loan at Sberbank, be prepared for mandatory insurance. In particular, you will have to insure your collateral against possible damage, loss or complete destruction as a result of a natural disaster. The insurance period directly depends on the validity period of your loan agreement.

Is it possible to refinance at Sberbank and for whom?

Refinancing for Russians is possible, but provided that they meet the established requirements of the bank. What are these rules? For example, at the time of submitting a loan application, you must not be younger than 21 years old, but also not older than 75 years old. You must also have six months of experience at your current place of work and a total experience of at least 1 year for the previous 5 years.

In addition, mortgage refinancing requires the involvement of at least three co-borrowers. These can be individuals, but with an income corresponding to the maximum size of a bank loan. One of the co-borrowers may be your legal spouse.

What documents are needed for registration?

Answering the main question “is it possible to do on-lending at Sberbank”, let’s say: “Yes. It is possible.” If you meet the bank's requirements and have the following documents:

• passports;
• original birth certificate of children (if any);
• original marriage certificate (if you are a member);
• passports and documents that indicate a relationship with you (if your relatives act as co-borrowers), etc.

This is a general list of documents. However, it may vary and be supplemented by the bank’s decision.

How to repay a loan

Such a loan is repaid in monthly annuity (in other words, equal) amounts. Repayment is made in the following ways:

• at the cash desks of bank branches;
• in self-service terminals;
• at ATMs;
• using Internet banking;
• via mobile banking.

We will tell you further whether it is possible to refinance a car loan at Sberbank.

Consumer lending program

In addition to mortgages, many borrowers may have problems with car loans. But refinancing of such loans is not provided. However, Sberbank operates another consumer loan program for these purposes for the purpose of further on-lending. What are the features of this banking product?

The main feature of this program is that it can help you pay off up to five current loans received from other lenders. For example, these could be consumer loans, car loans, as well as current debt on a current overdraft or plastic card.

In addition, if the bank meets the requirements, each borrower has the opportunity to receive the required amount without presenting a work book or income certificate. In addition, this program does not imply a commission fee for issuing a loan amount and does not require the provision of collateral.

What are the terms of lending under the consumer program?

You can apply for this loan online or during a personal visit to one of the operating branches of the organization. It is usually provided in national currency, the loan term is a minimum of 3 months, a maximum of 5 years. In this case, the permissible amount should not exceed 1,000,000 rubles, and the base interest rate starts at 17.5%.

What are the loan requirements for refinancing?

This program is characterized by a selective attitude towards loans subject to refinancing at Sberbank. So, for example, the effective term of the loan should not be less than six months, and until the end of its repayment - no less than three months. In addition, your problem loan must not be past due. You must repay it regularly for at least six months and avoid delays.

What are the requirements for borrowers?

Unlike the previous program, this loan can be obtained by persons aged 21 to 65 years. All other requirements, including general and current work experience, are identical. This is how refinancing works at Sberbank. Customer reviews will help you get a general idea of ​​the programs.

What do they say about Sberbank's refinancing programs?

In order to understand how profitable the refinancing programs at Sberbank are, let’s look at the reviews. For example, some citizens like mortgage refinancing, as it allowed them to remove the burden of an unbearable loan. Others consider the most attractive terms of a consumer loan for the purpose of further refinancing, since they allow you to cover up to five large loans. Still others are not satisfied with attracting co-borrowers. The fourth like the acceptable percentage and the absence of commission.

Refinancing, at its core, is a common procedure for obtaining a targeted loan, in which the goal is to repay an existing loan from another bank in the Russian Federation or directly from Sberbank.

Refinancing, at its core, is a common procedure for obtaining a targeted loan, in which the goal is to repay an existing loan in another bank in the Russian Federation or directly in.

For a borrower, refinancing in certain situations is the only opportunity to significantly reduce the loan burden, avoid the need to pay high fees for late payments, and receive a loan with a significantly lower interest rate (and, accordingly, the ability to repay such a loan without serious financial losses for your family). Another important advantage of using refinancing for the client is that he maintains his positive credit history and will not become persona non grata for creditor banks in the future.

It should be noted that refinancing is a profitable deal for the bank as well. Yes, the bank agrees to reduce interest, but at the same time provides the client with a larger loan. This is much more profitable than chasing a client through the courts without a 100% guarantee of the return of previously borrowed funds.

Refinancing consumer loans at Sberbank

This bank service is convenient for clients who want:

• repay debt on a consumer loan from another bank;
• reduce the amount of your monthly loan payment;
• replace several loans with one by combining them.

Using the service of refinancing consumer loans at Sberbank, a client can “in one fell swoop” repay up to five different loans he previously received.

The refinancing program involves:

• obtaining a loan in Russian rubles;
• interest rate of 17% per annum (set individually, taking into account the client’s situation);
• obtaining a loan, the term of which can be up to five years;
• loan size - up to one million rubles.

Online application for refinancing at Sberbank

Refinancing loans from other banks

Sberbank allows you to simultaneously refinance up to five loans issued in other banks located in Russia. This allows you to save on overpayments of interest, reduce the monthly payment and greatly simplifies the return of money to one creditor. The advantage of refinancing at the largest bank in the country is the opportunity to apply for a loan without a certificate of income or work record. This rule applies to cash loans, car loans and plastic card loans. Refinancing makes sense if the rate on it is lower than your existing loans.

Mortgage refinancing at Sberbank

If the mortgage rate turned out to be high for you when applying, then reduce it by refinancing. This service allows you to pay off an expensive loan with a cheaper one. As a result, payments will be made according to a new scheme. For Sberbank, it doesn’t matter which bank your loan was issued at, the main thing is that you can repay it. Additional advantages of refinancing are: no fees for providing the service, special conditions for certain categories of borrowers, an individual approach to consideration of the application, and no requirement for borrower insurance.

Required documents

To refinance a mortgage at Sberbank, you need to provide the following documents to the mortgage center: an application form, an application form for a co-borrower or guarantor, a borrower’s passport, a 2-NDFL certificate, a copy of the work book, and collateral documents. If the mortgage was previously issued under the “Young Family” program, then you will also need: a copy of the marriage certificate and the child’s birth certificate (if available). Depending on the situation, the list of documents may be reduced or increased. Some documents can be submitted to the bank within 120 days from the moment the bank makes a decision to issue a loan.

Refinancing conditions

If we are talking about a consumer loan, then you can refinance loans in the amount of 15,000 to 1,000,000 rubles; with a mortgage, the maximum loan amount should not exceed 80% of the cost of housing. The refinancing period for conventional loans is 3 months. - 5 years, and for residential - limited to 30 years. There are no service fees in either case. With a mortgage, the guarantee of money back is real estate, which will be pledged to the bank until the loan is fully repaid. You also need to insure the collateral for the entire payment period. The chances of approval of the application will be low for those who have made late payments on previous and existing loans.

Interest rates

The cost of the refinancing service depends on the period for which it is issued and the category of the borrower. Bank clients and those who refinance for up to 1 year can save on interest. The rate for a consumer loan for up to 1 year is 18.5%, if borrowed for 2-5 years - 19.5-26.5% per annum. Mortgages for up to 10 years are refinanced at a rate of 15.25%, from 10 to 20 years - 15.5%, and for 20-30 years - 15.75% per annum. Please note that these rates change frequently. Therefore, having signed up for the service at 18%, no one will stop you from refinancing the loan again in a few years at 12%.

useful links

• Application form for refinancing at Sberbank -
• Example of filling out a form -
• Conditions for providing refinancing -.