How to reduce the interest rate in the bank. Reduced interest rate on the loan. Availability of perfect credit history

A few years ago, the banks have set proposals from loans under 16-18% per annum and these were the lowest values, while the final rate established on the basis of the client's data could reach 25-30% per year. In 2017, the minimum annual percentage decreased to 12-14%, thereby causing the question of many borrowers about whether it is possible to reduce interest on the loan?

What affects loan rates

1. Since the beginning of the year, there has been a decrease in the annual rate, first of all, this is due to Reduced key rates of the Central Bank and the refinancing rate. It is the meaning of these parameters is taken as the basis of the new bet in each bank. Below these limits, the annual cost of the loan does not fall, since under these percentages, many banks take money into duty from the state.
2. The following components of the credit rates can be attributed to production: labor costs, premises, as well as depreciation deductions.
3. Risk factors have a negative impact on the formation of lending policies. The bigger overdue, bailiffs of the bankMoreover, he needs it to cover these expenses.
4. The latter, in the list, but not significance, the parameter - desired profit. If large banks can be content with a small margin due to scale, then small banks are forced to overestimate the rates for obtaining planned indicators.

All of the above parameters are involved in the formation of the minimum and maximum rates depending on credit products.

Research of price dependence on the real estate market from mortgage rates

For the borrower, the annual percentage visually depends on the credit parameters:

• term (the longer the period for which the contract concluded is the less the rate will be);
• amount (similar situation, as with a term).

Perform additional conditions to reduce the rate

When making a loan, the Bank offers the client a percentage rate based on the analysis of its data. Usually, the proposed rate can be reduced if you fulfill all the necessary requirements of the bank. It is necessary to make it before filling out the application, otherwise you will have to wait a few months until the decision is canceled.

We will negate that the decline in the rate is possible only before its minimum value depending on the consumer program.

Reducing the interest rate on the loan is possible if:

Special offers and promotions

The largest number of special programs are distributed in mortgage lending, for example, a mortgage for a young family, military, young professionals or with state support. It is enough to meet the requirements of the loan product and can already be counting on facilitated payment terms.

Several times a year, banks hold shares that are aimed at an increase in sales of financial services. On the Internet you can see a lot of advertising, for example, Sberbank reduced loans or Rosselkhozbank rates established the lowest rate - 11.5%. Yes, indeed these banks offer improved lending conditions, but this concerns only new treaties, interest on existing loans remained at the same level.

Special offers also include refinancing programs of existing debt. With the help of these credit products, open loans can be overdone. The annual rate on them is usually lower than in standard conditions a few points. But to get such a loan, you need to have a positive dynamics of payments at least six months and the lack of overdue.

On the eve of the New Year holidays, when the demand for loans is traditionally growing, many banks enter into a competitive struggle for potential borrowers. This year, creditors are interested in exceptionally high-quality borrowers, which they agree to offer more favorable terms of lending. In early November, Home Credit Bank announced a decrease in rates at three retail products. From November 5th and to December 31, cash loans in the framework of crediting programs "big money", "refinancing" and "pension" (only for pensioners) will be issued at a single rate - 19.9% \u200b\u200bper annum.

This decision was explained by the Deputy Chairman of the Board of the CFF-Bank Yury Andresov. The financier is confident that high-quality borrowers who plan in advance how to return a loan will always pay attention to the bid. Such clients are very much needed by the Bank. Recall that at the end of the 1st half of 2014, the loss of the credit institution was 4.018 billion rubles under IFRS. The non-return ratio of the bank's retail loans amounted to 16.1% of the total loan portfolio, a net loan portfolio for 6 months of 2014 decreased by 12.8%.

According to Yuri Andresov, "very conscientious borrowers, with a high scoring point" appealed to receive loans at reduced rates in the Pilot Region. "A honest guaranteed rate will allow us to increase the influx of customers 2 times compared with the usual seasonal demand in November - December," the Bank's deputy is sure.

Evgeny Sidorov, Director for Direct Sales and Marketing Home Credit Bank, clarified that his credit organization does not approve the use of the so-called "Hook-rates" when the borrowers "lure" low interest, and then it turns out that it is necessary to obtain a loan under such conditions Fulfill a number of conditions (arrange insurance, invest your deposit funds, etc.). All customers who submitted cash loans in cash in the CCF Bank, regardless of the scoring points obtained by them, the level of income requested by the amount, etc., in the case of approval of the application will receive a loan under 19.9% \u200b\u200bper annum.

The maximum amount that can be obtained under the program "Big Money" and "Refinancing" is 500,000 rubles, the maximum term is 5 years. The rates currently acting before the start range were 23.9% and 21.9%, respectively. The maximum loan amount under the Pension Program is 150,000 rubles, this amount may be issued for 4 years. The earlier rate accounted for 22.9% per annum.

When issuing a loan, the borrower does not necessarily acquire the insurance policy, one-time and monthly commissions are not charged, the requirements for a potential client are minimal.

Loans "Big Money" and "Refinancing" are provided to customers aged from 23 to 64 years. The certificate of income is not required, the client should work in a last place at least 6 months and permanently reside in the loan provision region.

To obtain loans you need to provide 4 documents:

• passport;
• military ID (for men of recruiting age);
• any document certifying personality to choose from: driver's license, pension certificate, passport, SNILS;
• a document confirming the availability of an income source to choose from: a debit account extract for the last 6 months; PTS or certificate of registration of cars; Casco Polis; passport with passport control stamps; Certificate of registration of the property of the client for real estate; Polis DMS.

Credit "Pension" is designed for people aged from 35 years at the time of registration of the loan to 69 years at the time of its repayment. To get a loan to potential borrowers, it is enough to provide a passport and pension certificate. The client must constantly reside in the Loan Receipt region.

Note that Home Credit Bank recently reviewed rates on loans "big money" and "refinancing", but in the direction of their increase. Previously, the bank announced a change in his lending model: he began to steer the potential borrowers and more actively cooperate with the credit historical bureau. Also notable is the fact that the decrease in rates took place shortly until November 14. On this day, the Central Bank must publish an average effective interest rate on each of the types of consumer loans. From the first quarter of 2015, credit organizations will not be able to set rates exceeding this control value by more than a third.

Interest rates on loans Banks are not simply installed, this figure directly depends on what is currently the key rate of the Central Bank of the Russian Federation. If it is high - credit organizations are forced to overestimate and their loan rates, and this, in turn, hits the pocket of ordinary borrowers who needed the loan now. But are there ways to reduce interest on the loan? We have prepared 5 legitimate ways, with the help of which you can reduce the interest rate of your loan.

Reduce the interest rate on the loan is quite possible - you only need to observe several conditions.

Method number 1: Restructuring

If the borrower becomes difficult to pay its loan, according to the established schedule, it can contact the bank, asking for its loan restructuring. Banks pretty willingly go to meet the borrower, so for them it is much more profitable to offer him a new payment schedule than never to see the money issued.

When restructuring, the borrower may be asked to extend the credit period, a decrease in the monthly contribution and even a decrease in the interest rate. True, it can only decrease by 1-2%, but it is better than nothing. The period for which the Bank agrees to reduce interest, is also not large - up to two years. After that, the interest rate will be the same as it was at the time of signing the contract.

Method No. 2: Refinancing

Refinancing is the design of a new loan on more favorable terms, in order to pay the old one. You can do this in the same credit organization as I betrayed you the first loan. For example, if you took your first leaving a year ago, and the interest rate on it at that time was 17%, and now it is 14%, you can ask for a refinancing bank. That is, having received a new loan, you, with the help of the funds issued, close the old, is not a loan for you, and you will pay a new, more lifting loan for you.

It should be borne in mind that the refinancing is worth it only when the difference between percentages ranges from 3 points. If the interest rate on a new loan differs from the old one by 1-2 points, to do refinancing the loan is inappropriate. Also, you should not make this procedure to those who have an annuity scheme for loan payments, and most of the debt has already been repaid. All percentages have already been paid to the bank, therefore it is already evolving more and nothing to decrease, and the remaining part of the debt is the body of the loan itself.

Method number 3: Maximum package of documents

Interest rate size for each borrower is defined individually. The more documents confirming their solvency will provide a client, the more confidence will cause a credit institution. Accordingly, the amount of interest rate can be changed in favor of the borrower, as the bank will not doubt that he will return the debt completely and on time. So it is not necessary to be reinsured using overpriced percent.

Therefore, when making a loan, it is desirable to have any papers confirming your positive financial status. It can be a workbook, and documents for an apartment, a house or a car, education diplomas, certificates of additional income, etc. Your goal is to make sure the bank is that you definitely pay your loan on time.

Method number 4: Good credit history

When a person draws out any loan, the file is started at the credit history bureau. Your behavior relative to the borrowed loan is fully displayed in this organization. All timely or overdue payments, redeemed loans and current debt - all this affects your reputation in the credit sphere. If you are a happy owner of a good credit history, you can count on the loyalty of the bank and, as a result, a decrease in the interest rate. Especially if you are already a customer of the chosen bank and repayed loans in a timely manner earlier.

A positive credit history is another plus for the borrower, as the bank will be confident in your solvency and may agree to reduce the amount of interest rate for you.

Method number 5: Guarantors and insurance

As mentioned earlier, the bank should be seen that the loan is issued to a person proven, and, in which case, there are guarantees to return their funds. These guarantees are guarantors, deposit and insurance.

If there is a security, that is, the guarantor or pledge, in case of non-payment of debt, the bank has a guarantee to receive money either from another person, or by selling the property laid down by the debtor. And if there is insurance, the debt will pay the insurance company. Therefore, many banks seek to force their customers to insure their lives, health and ability to work.

With the presence listed guarantees, the interest rate can be reduced. However, it should be remembered that a borrower will have to pay for the services of the insurance company during the entire lending period. Yes, and the guarantors find not easy - not everyone will agree to take responsibility to pay your duty in the event of an unforeseen situation. Requirements from banks to guarantors are also sufficiently overpriced - they also need evidence of solvency, and the more it will provide documents, the better.

Method No. 6: Promotions and Special Offers

Often, banks hold shares for their regular customers, to keep them. And also offer special conditions for new customers to lure them. If you are already a client of a credit institution in which they gathered to take a loan, check if any action acts on which the terms of the loan provided can be improved.

If you do not know what bank is better to take a new loan, do not hesitate to resemble various credit institutions and find out where you have interesting offers for new customers. Often, some groups of people are given pleasant conditions for loans, such groups include pensioners, military personnel, teachers, etc.

The loan is an excellent solution in the event of a complex financial period or desire to urgently acquire any product, the use of the service. However, cooperation with the bank is almost always overpayment for the borrower and the benefit for the bank. Then the investigative question arises - whether it is possible to make a loan as profitable as possible, i.e. How to reduce the interest rate on the loan? There are several ways.

What is the interest rate?

Important! It should be borne in mind that:

• Each case is unique and individual.
• Careful study of the issue does not always guarantee a positive outcome of the case. It depends on the set of factors.

To get the most detailed advice on your own question, you just have to do any of the proposed options:

Before you consider how to reduce the interest rate on a loan, let's deal with the creditor, assigning a bet on a particular loan product. The percentage of the following factors affect:

1. Risks of non-return of cash by the borrower. Having issued loans, banking companies carry certain risks. If the client is doubtful in his solvency or responsibility, the Bank has the right to establish more stringent conditions for him and on the contrary - loyal with trust. For example, fast express loans are issued one by one passport only, but the interest rate for such programs is somewhat overpriced.
2. Loan terms. As a rule, with long-term use, money in debt has to be seriously overpayed. In fact, the loans up to 3 years cost people cheaper than until 5-7 years. This indicator is also associated with risks for the creditor, because the possibility of non-payment of debt obligations increases. During this period, the chances of the disease, loss of work, the death of the client, as a result of which the bank will lose, and the percentage is some compensation here.
3. The key rate of the central bank and the refinancing rate. It is these figures that significantly affect the loan market as a whole. The key rate is the most important instruments of the state monetary policy. Not only interest rates on banks in banks depend on it, but also the cost of funding, deposits for various categories of customers.

Top 7 ways to reduce the interest rate on the loan

Ordinary citizens cannot challenge the resolution of the regulator and make the changes they need, but there are quite effective techniques that will help in such a matter how to reduce the interest rate on the loan, for example in consumer lending. Consider them more details:

Advanced package of documents

Collection and provision by the credit specialist of an extended package of documents. If the potential borrower is capable of collecting additional references to obtain a loan, the lender can reduce the loan rate of several points and even increase the cash limit. Some banks have special programs and notes regarding this action. The list of such documents may include: certificate in form 2-NDFL, certificate of real estate ownership, car, etc. Your task is to convince the creditor in its trust and the ability to repay the obligations to the agreed term.

Registration of insurance

As for consumer lending, insurance here is not a mandatory procedure for the client, but banks strongly recommend that it. Often, creditors put special conditions, i.e. When placing the insurance policy, the loan rate will be lower than without it. The decision in any case remains for the borrower.

Providing guarantor or collateral

The guarantee for you by another person always makes a loan more profitable. The problem can be imprisoned only in the search for such a person, because not every relative or friend wants to document the consent to repay your obligation if necessary. In addition, the requirements for guarantors are also put forward serious (permanent work, good credit history, etc.). Regarding collateral - they can act your personal property, such as a house, apartment, car.

Availability of perfect credit history

A person who at least once in his life has addressed a bank or another financial institution has a credit history. It displays good for the creditor of information: the facts of circulation of the client into credit structures, where it is denied or approved in a loan after checking, the performance of credit obligations, the presence / lack of overdue, legal proceedings, etc. Sometimes, even slightly spoiled ki can play a big role In making the bank a decision on issuing money in debt and in establishing the amount of interest rate.

Availability of an open account in a bank where salary is listed

As a client of a bank organization and having an open account, where the employer lists you a salary or pension deductions to you by the state, the credit programs of this bank can be considered. The lender will react to your candidacy loyal than other borrowers "from the street" and may offer a more profitable package with reduced percentages.

Comprehensive service

Various ways of cooperation with the chosen credit company will definitely help to take a loan inexpensive. This may be the contribution / deposit earlier here, participation in the shares by the type "Bring a friend", etc. You must become a valuable client for the Bank, which he wants to attract and keep at any cost.

Attentive tracking of the bank's promotion proposals

For the tiping of new customers on the eve of the holidays, many bank institutions arrange special actions, offering low interest rates, simplified requirements for borrowers. Favorable products often appear before the New Year, March 8, the day of lovers, the period of vacation. Watch for advertising or attend the appropriate portals yourself.

It is also worth noting that various large banks of Russia have in their "arsenal" proposals of the program for pensioners, state employees, military. If you enter this category of borrowers, you can make an excellent loan under profitable interest. See detailed information on the official websites of banking organizations.

How to improve conditions, reduce interest and monthly payments for the current loan?

You took a loan under certain interest, but no longer able to pay or the product was decorated in view of urgency unprofitable for you whether it is possible to reduce the interest rate on the loan in such a situation? Fix the situation is difficult, but perhaps.

Many citizens do not even realize that there is a number of lenders providing for the embodiment of the client's constrained position and prescribe the possibility of reducing the interest rate in the contract. Upon the occurrence of the problem period, the Bank concludes with a borrower an additional agreement, according to which interest is revised and slightly reduced. Therefore, you never need to hide from debts, but immediately go to the bank, explaining the established circumstances. If you are an honest and responsible borrower, the credit company will definitely go to meet you and help solve the issue in your favor.

Consider solving problems with one or more open loans presented below.

Refinancing credit

Refinancing programs today are not everywhere, but large creditors (Sberbank, Rosselkhozbank, VTB 24, Bank of Moscow, etc.) offer quite attractive conditions for cooperation. You can also contact the bank with which a loan agreement has already been concluded if there is an appropriate offer.

The refinancing procedure is some dedication, but with a more profitable interest rate. In fact, this is the design of a new loan in order to repay the current loan in full or partial amount. However, deciding on this type of banking services, it is necessary to weigh everything competently and calculate. In addition to reducing the interest rate, refinancing also has a number of other advantages for the borrower, namely:

1. The possibility of reducing monthly payments due to a long period of lending.
2. Changes in loan currency. The item is especially relevant due to the established instability with the exchange rate. If you previously issued currency (dollars, euros) loan at the rate lower than today, it makes sense to be removed and no longer overpay.
3. Combining several loans in different banks in one. Credit cards, consumer loans in cash for a total of 500,000 - 1,000,000 rubles, depending on the terms of the bank, can get into the category of loans for refinancing. It is very convenient, because monthly troubles associated with the repayment of debts in different banks instantly disappear.

Considering the refinancing procedure, it is also worth considering such moments as: additional spending (commission remuneration to bank, insurance, certificate collection, etc.), to combine no more than 5 open loans, for the creditor's agreement, you need to be resolved in other banks where there is indebted .

Early loan repayment

Early repayment, for example, in a partial amount does not reduce the interest rate as a whole, but helps to reduce monthly payments and reduces the database to accrual interest. Thus, the financial burden on the client is largely facilitated.

According to the law No. 353-FZ "On the consumer loan (loan)", edited in 2014 (changes dated July 21, 2014), already after 14 days from the date of receipt of the consumer loan, the borrower can be repayable to the bank debt. It is allowed to do without prior notice to the credit institution. Earlier to customers, committing a return of debt in early order, had to pay for the fines, but the current law exists.

An equally convenient advantage for the borrower has now become the payment of a consumer loan debtor full of interest accrued for the actual period of use of the loan. Also remember the following features of the early debt repayment procedure:

1. You have the right to return the loan during the first month and pay the creditor only during the use of the loan.
2. If you wish to return money to the bank in a month from the date of receipt of the loan, it will be necessary to notify the lender in a period 30 days before the day of early action. Next, the credit company must provide you with an accurate loan calculation (within 5 days after receiving notifications from you).

Long restructuring

The loan restructuring is the actions of the bank aimed at changing the conditions on the loan due to the appeal of the borrower. The lender primarily strives to facilitate the service of debt of his client and thereby return its money. The procedure will help solve the problem without the participation of bailiffs - peaceful way. The service exists in varieties:

Most often, people turn to the bank for restructuring, having an outstanding mortgage on their hands. "Establish" the forgiveness of debt borrowers have the right, referring to the Civil Code of the Russian Federation Art. 415 and guided by a difficult financial situation, documented, such as disciprocated with the labor exchange, a certificate of disability from the hospital, etc.

Appeal to Rospotrebnadzor

If the bank refused to satisfy the claim, did not make concessions, then more stringent measures should be applied - to contact Rospotrebnadzor. The authorized state body fully protects consumers in consumer lending.

If necessary, the authority will head to the credit institution with the audit, will consider clearly the terms of the contract, will reveal possible violations. If the last happens, the bank will attract administrative responsibility. As a punishment, a penalty in the amount of 20,000 rubles or voluntary satisfaction of the client's victims can be appointed.

How to reduce interest rate on a mortgage loan?

The decline in interest rate on the mortgage loan is also quite a real action, but not every person can take this advantage. Provide the revision of the conditions is possible in the following cases:

1. Birth of a child.
2. Change / loss of work, material difficulties.
3. Adverse changes in health (accident, complex disease, etc.).
4. The desire to pay off a mortgage loan ahead of schedule.

Options for reducing interest rates on the current mortgage loan are practically no different from those that we have listed above, considering consumer lending, but there are new ways:

1. Refinancing.
2. Restructuring.
3. Use of social support. Some banks exist special programs that are partially funded by the state. Among them: "Young family", "dwelling", etc.
4. Appeal to the court. This option is used if the borrower has discovered any serious violations in a mortgage agreement, and the bank does not want to make concessions.

The first thing to be done, informing how to reduce the interest rate on housing loan is to contact the lender personally, ask the question of interest and listen to the solution solutions. The second step will be the writing of the appropriate statement (the sample can be downloaded), providing the necessary documents. In some banks there are ready-made application forms available online, but it is permissible to write paper in arbitrary form to the head of the banking institution.

Litigation

To seek help in court to reduce the debt burden, it is necessary to last and not in all situations, i.e. Then when the peaceful methods described above were not able to use the fault of creditors. Practice shows that thanks to the "supreme bodies" to return the return of interest on the loan - real.

In the Civil Code of the Russian Federation Art. 809 reflected important items to which the plaintiffs most often refer to the proceedings between the bank and its client. The article displays security information for the borrower.

Simple and financial illiterate people are very difficult to calculate how much the bankers were checked the debtor. Therefore, if such a question arises, it is better to refer to lawyers for clarification. Consider the shortcomings of the trial - material expenses (lawyer services, litigation). They may even exceed the expected win. But the saddest is spoiled reputation and relationship with the lender. All information must be reflected in your credit history, further available to other financial companies. And it's not a fact that the next lender will be able to deal with who was right, and who is to blame, for him you will become a client from a risk group. Deal with a person who can file a complaint to court is not attractive for leagues.