In the article, we will consider how refinancing is carried out in Rosbank. If a person cannot restructure the debt of the current lender, citizens can improve the terms of the loan at Rosbank by reducing the interest rate and the monthly payment. Depending on whether the borrower is among the salary clients, the program will have different conditions.
Rosbank is particularly in demand for consumer loans refinancing services, since they allow you to close a non-profitable loan or receive a certain amount of cash in the form of additional financing on very favorable terms. In the future, this money can be spent by a bank client to satisfy their current needs or to close other loans.
So what does refinancing at Rosbank imply?
What are the conditions?
It is allowed to re-lend one or more loans to various banks, including with the receipt of a certain amount in excess of debt. For individuals, the refinancing conditions at Rosbank are very simple:
- size - from 50 thousand to three million rubles;
- for a period of one to five years (up to seven years - for salary clients and employees of partner organizations);
- there is no fee for issuing a loan;
- no commission, early closure.
Specificity and Benefits
The main advantages of the loan refinancing program at Rosbank are the following characteristics:
- You can refinance the target (mortgage and car loans) and non-target (overdrafts and credit cards) consumer loans if they are repaid in good faith in another bank.
- The new credit line for the amount may be greater than the balance of the loan debt in a third-party financial institution, which will allow to use the additional amount allocated with a slight overpayment for the use of borrowed funds.
- Large amounts of the new loan make it possible to successfully repay even large loans in the absence of commission fees and additional approvals.
- Registration and receipt of funds is carried out without a commission.
- A person can choose any day to make a regular payment, given the date of receipt of salary or other sources of income.
- Thanks to the program, additional amounts can be freely paid as repayment without paying fines and commissions.
- Due to the wide representation of the financial institution and close cooperation with a large number of large credit institutions throughout the country, the refinancing service is available to most citizens of Russia.
- In addition to ordinary individuals, they can refinance loans and legal entities that have borrowed from other organizations.
- A good interest rate makes it possible to save money when using borrowed funds for overpayments, which will have a good effect on the financial situation of the client.
Third-party loan requirements
An advantage of the loan refinancing program at Rosbank is the right to combine several loans into a single loan for a fee of only once every thirty days at a single account.
The organization allows the customer to set the most convenient payment date. Judging by customer reviews, this is a significant advantage.
Any programs are subject to refinancing:
- mortgage;
- inappropriate loan;
- car loan;
- overdraft;
- credit card.
Rosbank does not put forward supernatural requirements for loans. The only prerequisite is the absence of delinquencies, fines and debts.
Interest rate
Interest on refinancing to Rosbank to individuals is assigned based on the amount of the loan:
- 17% - up to 600 thousand rubles;
- 13.5% - more than 600 thousand rubles.
Under the terms of the program, employees of enterprises that are partners of Rosbank are offered more loyal interest rates:
- 14% - up to 600 thousand rubles;
- 12% - more.
Thus, in Rosbank, the range of interest rates ranges from 12-17% per year.
Online application and bank visit
How can I arrange a refinancing loan at Rosbank for individuals?
Every citizen who has registration in the region where the banking branch is located can apply for the service. For individuals, special requirements for refinancing is not established. In order to refinance a loan of another institution, an individual must go to the office, where he must write a statement.
At Rosbank, you can also apply for refinancing a loan through the website online or verbally, by calling the hotline. Remote communication methods are only preliminary, communication is mandatory. This is due to the fact that by telephone or online application, an individual will not provide information on income and passport data. Therefore, the bank cannot make a preliminary decision.
It is advisable to collect all the necessary documents at once, in accordance with the requirements of the financial institution, and visit a branch with them. It will not be difficult to fill out an application at the office. You will need to provide information about yourself, income and employment, place of residence, family, as well as features of existing loans.
Documentation for registration
Like other cash loans, in order for the client's online application for refinancing at Rosbank to be approved, the following documents must be submitted to the bank under the conditions:
- ID card (passport).
- A work book (not necessary if the salary is confirmed by an official certificate, and the loan does not exceed 400 thousand rubles).
- Justification of income. Loyal requirements for the confirmation form - 2-NDFL (standard) or on the employer's letterhead (you can use the certificate of Rosbank). A declaration (IP), a document on the amount of the pension, an extract from any bank from the salary account are accepted.
- If the borrower needs a loan of up to half a million rubles, and he does not exceed the current loan to another bank, then he does not have to confirm the income.
- It must be remembered that the bank under the terms of its credit policy has the right to require additional documents, therefore, even in the Light program, both SNILS and proof of income may be required.
- Rosbank also makes certain requirements for documentation on refinanced loans - you need a statement or a certificate of the amount of obligations, including one generated online at the bank.
After approval, the client transfers the details of the account, and through it, the debt is repaid to the initial creditor.
Mortgage terms
Each borrower who has purchased real estate in a mortgage receives special refinancing conditions from Rosbank. They are as follows:
- annual percentage - from 10.75%;
- when the mortgage was taken in a different currency, it is proposed to transfer the amount in rubles to avoid possible risks;
- privileges will be provided to those who additionally draw up an insurance contract for housing and insure their life.
If the client is interested in certain figures, then he can calculate the monthly payment, the total amount of debt and overpayment using a loan calculator on the bank's website.
Repayment of a refinancing loan
Under this program of refinancing individuals at Rosbank, payments are made in accordance with a specific schedule, monthly in equal amounts. When concluding the contract, the client receives the right to choose the optimal time for making a monthly payment based on the date of payroll and other sources of income.
Rosbank has rather flexible loan repayment terms. The client is allowed to deposit any amounts in accordance with the schedule that exceed the minimum. Early write-off of the loan and replenishment of the account is carried out without additional penalties or commissions.
The financial institution, providing more favorable conditions for repaying the loan, insists on the exact observance of the time for making regular payments in accordance with the schedule established for the client. In addition to a negative credit history, the slightest delay is an occasion for the daily addition of a penalty of 0.05% of the amount owed.
By the way, today refinancing loans from other banks at Rosbank is very popular.
How to make payments?
The borrower is offered a choice of several ways to pay monthly:
- non-cash method via online banking;
- in the branch of Rosbank itself, as well as in the financial institutions that cooperate with it;
- cash using ATMs or at Russian Post offices;
- through the terminal network "Eleksnet";
- by bank transfer from a card or account of another bank;
- electronic payments from the Yandex. Money";
- in the network of salons "Euroset", "Beeline", "MTS";
- money transfers using the Golden Crown system.
The client, if desired, can replenish his loan account by debiting money from the balance of his mobile phone.
Reviews on refinancing at Rosbank
Customer reviews of refinancing loans taken from other banks do not allow us to make unambiguous conclusions about the advantages of the program. So, many people were satisfied with his offer of on-lending. This is due, in particular, to the fact that, possibly, refinancing for mortgages, car loans, overdrafts, and credit cards.
Among other things, many noted that you can use the remaining finances at your own discretion. Due to the fact that it is possible to take a significant amount upon re-lending, some of Rosbank's clients managed to cope with a lot of problems from previous loans in a short time. Among the advantages of the service, many noted the possibility of repaying a loan taken at Rosbank without commissions or restrictions.
Positive reviews also note the professionalism of loan managers, the speed of coordination, the convenience of repayment, the independent choice of the day of payment, and a small package of documentation.
Negative comments
The disadvantages of lending are mostly individual. So, an individual may be denied refinancing with a good credit history, as well as oral assurances of an organization employee about a positive decision.
For one of the loans, money may not be transferred on time, which is why interest is accrued. After obtaining approval, the processing time may be delayed. Without insurance, the client will most likely be denied refinancing at Rosbank.
A small recommendation: before applying for such a service, you need to check your credit history. It often happens that banks do not transmit information on a timely basis to their customers, this, in turn, negatively affects their financial reputation and reduces the person’s chances of re-lending.
What conclusions can be drawn about refinancing a loan at Rosbank for individuals?
Conclusion
The client must remember that when choosing an organization for refinancing, you should carefully familiarize yourself with all the conditions of re-lending to protect yourself from further misunderstandings.
If it is not possible to restructure the loan from the current lender, citizens can improve their loan conditions at Rosbank by reducing the interest rate and monthly payment. Services for refinancing consumer loans are especially in demand at Rosbank, since they provide an opportunity to close a non-profitable loan and to receive part of the funds in cash in the form of additional financing.
This service is suitable for citizens who have active loans with interest rates of more than 12% per annum, if they fulfill their obligations in good faith and have official documents on employment and income.
We examined the conditions for refinancing a loan at Rosbank.