Refinancing Mortgage Raiffeisen Interest rate. Mortgage refinancing rate in Raiffeisenbank. The procedure for making and repayment of the mortgage

Raiffeisenbank Bank invites mortgage refinancing on favorable conditions In the Bolshevik. The financial product Customer is focused on the purchase of housing in other banks and in a difficult financial situation. You can contact Raiffeisenbank for refinancing, after which you will be offered new plan payments I. interest rate.

Any individual that meets the requirements of the financial institution can take advantage of the proposal.

Features of refinancing mortgage from Raiffeisenbank

The credit company has created a proposal - dedication of mortgages for customers aged from 23 to 60 years. The loan must be necessarily closed until the upper age border is reached. It is also necessary to have an employment experience of 1 year and a continuous experience of 6 months at the last workplace.

For refinancing mortgage in Raiffeisenbank in 2019, the deposit of available property is required.

Financial institution in the Bolshevik is offered a percentage rate from 9.29%. Its accurate size you can learn from the manager, informing it all the necessary information about myself and submitting a package of documents. The first installment must be at least 15%.

Service Seach.ru offers a convenient calculator to estimate the load from the mortgage to your family budget. To see the payment scheme, you must specify the loan balance, the amount of the first contribution and the maturity date. After that you will see the monthly costs of repayment of the loan and total overpayments.

Refinancing is the service of dedicating the existing loan on more favorable terms.

In our economically difficult time, this option enjoys special demand among Russian consumers. It offers her and such largest financial structure as Raiffeisenbank. In what conditions are read further.

Interest rate on refinancing Mortgage in Raiffeisenbank

The main indicator of any loan, which is primarily a borrower, is the interest rate established by the Bank for the annual period. Consequently, if the user decides to re-re-existing consumer loan or mortgage, the overpayment percentage of the new contract must be lower than on the existing one.

Today Raiffeisenbank proposes to refinance the mortgage loan issued by third parties financial companies for the purchase of real estate, under profitable bet 9.99% per year.

Mortgage refinancing rate in Raiffeisenbank - 9.99% per annum

This loan is issued for a period of 12 months to 30 years, in the amount of up to 26 million rubles. At the same time, it is possible to transform both a mortgage in a new building and a loan to the object of the secondary housing market. (By the way, you know what).

Conditions and requirements for borrowers and mortgage

In order to take advantage of the Raiffeisenbank proposal for mortgage refinancing, potential borrower Must meet certain requirements, namely:

• be a citizen of the Russian Federation or any other state (more banks where you can make a mortgage to a foreign citizen);
• reside within the administrative borders of the presence of one of the creditor offices;
• have permanent registration in one of the regions of Russia, where the Bank's division is;
• to be an adult (permissible age from 21 to 65 years at the date of payment of the last installment. Develop refinancing in Raiffeisenbank, a pensioner over 65 cannot);
• have a common employment experience at least 12 months and work at the last enterprise at least 6 months;
• the minimum monthly income must be over 20 thousand rubles for residents of the capital and more than 15 thousand for residents living in other regions;
• have a telephone (mobile and home);
• have positive credit history without debts and fines not only last loanwhich is planned to refinance, but in general.

Also financial organization places a number mortgage requirements another bank:

• it must be framed for a property located in the region where there is at least one bank branch;
• housing should be in a new building or refer to real estate objects of the secondary market.

Required documents:

1. application form in the form of a mortgage refinancing;
2. passport document (original + copy);
3. certificate of insurance SNILS;
4. consent to the processing is given in writing (when applying online applications, it is sufficient to note the corresponding graph in the check mark);
5. certificate of marriage or its termination (if available);
6. labor book (copy, certified by the notary);
7. act from the place of work on the monthly salary;
8. copy of contract existing mortgage loan;
9. certificate in form 2- NDFL;
10. documents on the mortgage property (housing. The mortgage acquired must be issued for the borrower and be pledged by the bank).

The listed list can be expanded or simplified according to the conditions of the banking structure.

Refinancing consumer loans: bet

Refinancing consumer loans in Raiffeisenbank is carried out under such conditions:

• fixed interest rate - 11.99%;
• the minimum amount is 90 thousand rubles;
• maximum limit - 2 million rubles;
• the loan repayment period is from 12 to 60 months;
• the ability to deprive - up to 5 loans.

In Raiffeisenbank individuals Could refinance up to 5 loans simultaneous if their amount does not exceed 2,000,000 rubles. Interest rate - 11.99% per annum.

Credit Requirements:

• reobeve loans taken in domestic banking companies;
• up to 5 loans - it can be a car loan, consumer loan or mortgage;
• up to 4 credit cards.

The borrower must answer such criteria:

• be easy
• have citizenship of Russia
• be aged 23 to 67 years old
• enjoy a stationary working phone, as well as a mobile number.

Required documents

To reissue the consumer loan, the client must collect the following documents:

• filled questionnaire - application;
• certificate of civilian personality (passport of the Russian Federation);
• certificate in form 2- NDFL;
• acts confirming additional income.

Refinancing only by passport

At the same time, if the borrower is a valid client of Raiffeisenbank and receives a salary on the map or the account of this company, it will only have a questionnaire and personal passport to take advantage of the refinancing service.

Term of consideration of online application

Submit an application for renewal of a loan of any bank on more acceptable conditions in two ways:

• personally, visiting the office of the organization,
• filling out the questionnaire on the Raiffeisenbank website.

In the latter case, it is enough to fill the form of pre-circulation on the main resource, and then wait for the manager's call. Usually, the answer from the bank to the application filed over the Internet is received during one business days. In some cases, the processing of the applicant's data lasts a longer period - up to 3-5 days.

After approval of the application, you should come to the bank with a full package of documents and acts that relate to the loan:

• certificate of lack of debt,
• credit contract,
• reporting on the procedure for making payments during the action of the Agreement.

The refinancing of the mortgage offered by Raiffeisenbank reduces the financial load and improve the considerations. But what are the conditions of the sentence, is it really profitable and what are the requirements of the bank?

In Raiffeisenbank, it is possible to refinance the apartment only in the mortgage and is the property of the borrower. At the same time, real estate should not be burdened (with the exception of the collateral of another bank), to be in the use of third parties (lease agreement) and can not be guided by relatives.

Basic refinancing conditions:

The main condition for providing such interest rates during refinancing - integrated insurance, including mandatory damage to the mortgage object and voluntary insurance The life and health of the borrower, as well as the risk of loss of property rights (title).

The size of the refinancing rate in Raiffeisenbank can affect:

• + 1% until the mortgage renewal in favor of Raiffeisenbank;
• + 0.5% in case of refusal to personal and / or titular insurance and the age of the borrower at the time of filing an application for less than 45 years;
• + 3.2% in case of refusal to personal and / or title insurance and the age of the borrower at the time of filing an application for more than 45 years.

You can use online calculator On our site and calculate the costs subject to failure from insurance. For people under 45, it will be more profitable, since the title and personal insurance will cost more than 0.5% (in most insurance companies).

Raiffeisenbank Requirements and Document List

Requirements for borrowers in Raiffeisenbank are as follows:

For making mortgage refinancing, the following documents will be required:

• Copy and original passport, or another document confirming personality.
• Insurance certificate SNILS.
• Certificate of marriage or its termination, certificate of changing the name.
• Copy of each filled page labor book With the confirmation of the employer, a labor contract or another document confirming official employment.
• Confirmation of income Help 2-NDFL, in the form of a bank, discharge from a salary account or in another way.
• Documents on the refinancing mortgage: a loan agreement, certificate of ownership, extract from the USRP.

The procedure for making and repayment of the mortgage

For refinancing must be submitted online application On the official website of Raiffeisenbank, visit the department or call hot line. You will hold a conversation a mortgage specialist to clarify the conditions and consultation. If you satisfy the conversation, you must collect all the documents and send them by e-mail or personally submit to the department.

Consideration of the application for mortgage takes from 2 to 5 days, according to which Raiffeisenbank makes a decision on the refusal or issuance of funds for refinancing. In the process of consideration, employees can be associated with you to refine details or for the request for additional documents.

Subject to approval of the application, the proposal to refinance the mortgage is valid for 3 months. The next stage will be approval by Raiffeisenbank of the property, which takes up to 3 days. It will be necessary to invite an independent appraiser and, if necessary, provide technical documentation.

The final stage will be the preparation and signing of a refinancing agreement in the Mortgage Center of Raiffeisenbank. A certain time is assigned on the selected day. After the conclusion of the transaction, it is necessary to re-refline the mortgage in favor credit organizationAnd up to this point will have an increased interest rate.

The repayment of the mortgage is made by annuity (equal) payments. In case of untimely making a regular monthly refinancing payment, Raiffeisenbank accrues a fine of 0.06% daily on the size of the arrears. maybe early repayment without the accrual of additional fees, but partial redemption Reduced only monthly payment, not a credit period.

If the loan load on the mortgage became unbearable, and you wish to reduce it, use the refinancing service from Raiffeisenbank. The company operates in the domestic financial market since 1996 and specializes primarily on lending to individuals and corporate clients. About how to refinance (overlook), previously taken loan on housing will tell in detail in the review.

Refinancing conditions in Raiffeisenbank

Imprint mortgages in Raiffeisenbank can individuals aged 21 to 65 years at the time of closing a loan having citizenship Russian Federation either another state.

The borrower must be employed and have a stable income. The address registration of the user is allowed within the administrative boundaries of the presence of one of the divisions of the financial company.

Employment requirements - the borrower should have a total work experience for more than 1 year, and in the last place for at least 6 months.

Concerning required Mortgage Requirements, it should not be debts and overdue. The target direction of the loan - housing on secondary market real estate either new flat In the house under construction.

Basic refinancing conditions:

• annual interest rate - from 9.5%;
• credit currency - Russian rubles;
• minimum loan amount - 800,000 rubles;
• the maximum size of the loan is 26,000,000 rubles;
• period of service - from 1 year to 30 years;
• provision - secured by the bought housing object;
• possibility of use maternal capital - provided;
• the consent of the initial bank for refinancing is not required;
• early repayment - possibly without accrual of fines and penalties.

The advantage of refinancing mortgage in Raiffeisenbank is that it works not only with citizens of the Russian Federation, but also with non-residents of Russia.

Raiffeisenbank refinancing rate

One of the main criteria for any loan, which is primarily drawn by the consumer, is the interest rate. It is established by the bank for the annual period of use of loans. With renewal housing loan This indicator is especially important because the client seeks to take new loan On more favorable conditions than the previous one.

The mortgage refinancing rate in Raiffeisenbank is 9.5% and higher a year.

The loan is provided for a period of one and a half to 30 years within the amount of 26 million rubles.

Documents for refinancing Mortgage in Raiffeisenbank

To limit the mortgage loan in Raiffeisenbank, the user must prepare a number of documents. The main list includes:

1. application for the provision of refinancing services (you can submit online - it will be a preliminary answer, then the client personally brings all documents on the list below);
2. preduplessly completed by the user, containing all the basic information about the client;
3. passport ID (the original is provided personally, a copy of all pages of the document is left by the Bank);
4. insurance policy reduss;
5. written consent to the processing of the applicant's data;
6. certificate of marriage or its termination (if available);
7. a copy of the employment record certified by the notary;
8. certificate from the place of the last employment rate of the average monthly wage;
9. a copy of the mortgage agreement with the creditor's initial bank;
10. official property documentation left in pledge.

Raiffeisenbank reserves the right to change the above list at its discretion.

Filing an application

Application for refinancing mortgage loan Side russian bank It can be submitted either at the Raiffeisenbank Department, located a client's stay, or via the Internet on the official website of the Financial Organization. (If the client is registered there, there is not a single division of Raiffeisenbank, it does not make sense to claim refinancing. Registration (even temporary) is the underlying condition).

In the first case physical Subject You will have to personally visit the Bank, inform the representative of your intentions to shut a mortgage and get advice for further action.

The second way implies remote feed preliminary application through the Internet. For this, the client must:

1. Open the official website of the banking structure.
2. In the top main menu, select the section "Mortgage".
3. On the opened page with mortgage programs Click on "Refinancing".
4. Read the terms of service and click on the "Leave Application" key.
5. Carefully fill out the profile form, clearly follow the system prompts.
6. Send an application for a resource for consideration.

After the borrower's profile will be processed and the decision made by it will be positive (the answer will go to the phone as an SMS or call from the representative of the bank), it is necessary to come to the bank with a full packet of documents (list above).

Checking documents and consideration of the application occur for free. The verdict on the preliminary appeal is usually taken out on the same day. The final decision on the application of the borrower is made by the Bank within 1 - 3 working days.

Raiffeisenbank is a financial institution, whose activities are based on the principles of confidence in financial partners, professionalism, openness and responsibility. It has already managed to evaluate customers, the number of which is growing every year.

About the work of the Bank "Raiffeisenbank" reviews are almost exceptionally positive - both depositors and affiliate organizations. The only minus of the bank is low regional representation.

The partners of Raiffeisenbank include structures:

• Rosbank;
• "Uralsiba";
• "Moscow Credit Bank";
• bank "UniCredit";
• "BINBANK";
• "Tatfondbank";
• "Rosselkhozbank";
• Gazprombank;
• ENERGOTRANSBANK.

In practice, this means that the ATMs of these partner banks are available for use by customers. bank cards Raiffeisenbank.

1. With Raiffeisenbank, it is extremely convenient to deal with. This is especially true. " salary customers"Who are not able to independently dispose of their working time. Most of the questions, because of which in other banks require several times during certain days and hours to visit the branches, in Raiffeisenbank can be solved without leaving own house. Communication by phone or email provides customers with all the possibilities for this.
2. Raiffeisenbank works on an honest minimum in the context of Russian financial market Resort refinancing rate - 11.5%. Of all the domestic banks, he first went to reduce the bet - several months ago, during the action, it was 10.9% per annum. At the same time, Raiffeisenbank, in contrast to other financial structures, does not put any additional conditions, does not require allowance and does not charge any commissions.
3. Similar to insurance conditions. The amount of interest rates are justified by the requirements of the market, and not the voluntarist decisions of the bank management. therefore insurance rates In Raiffeisenbank is extremely low. Finding another bank offering cheaper insurance simply does not make sense.
4. Raiffeisenbank does not adhere to the vicious practice of many of their competitors offering a whole package "in the load" clientele additional services, From which it is impossible to abandon the conclusion of the contract. Such services by the bank are offered, however, in case of refusal of them, obstacles to cooperation with the client will not arise.
5. Refinancing in Raiffeisenbank, including refinancing of the mortgage, does not provide for the ability to use complex schemes. The funds for repayment of the loan comes directly to the client's bank account. This allows you to make a deal for a maximum of two months.
6. Raiffeisenbank preparations of a full package of documentation (not excluding attorney and even "payment" state duty) To serve them in the "single window" of the MFC. For small additional fee Bank employees will submit documents themselves. This significantly saves customer time without significant additional costs.

Disadvantages of "Raiffeisenbank"

The bank is presented yet in all regions of the Russian Federation, although the number of its departments is constantly growing. Delivers inconvenience to customers and a small number of ATMs. On weekends, the Bank is closed, and all current operations are frozen until Monday. All these shortcomings can be attributed to "disease diseases", which in the process of the development of the Bank will necessarily be overcome.

Refinancing Mortgage in Raiffeisenbank in 2018

The refinancing of the mortgage carried out by the Raiffeisenbank Bank is produced in rubles worth not more than 85% of the deposited real Estate.. When considering applications and issuing loans, no commissions are charged. Loans are provided with a borrower to the financial account opened specifically for this. The basis is the mortgage agreement, a loan agreement and mortgage.

Refinancing Mortgage in Raiffeisenbank in 2018 is provided for the following dates:

• 1-25 years old - on a loan issued to acquire real estate secured by real estate purchased or already belonging to the borrower;
• 1-15 years - on credit for any purpose, except entrepreneurship, secured by the real estate of the borrower.

One of the opportunities provided by the Client - the refinancing of the mortgage of other banks produced by Raiffeisenbank by the Bank.

Repayment of mortgage

Mortgage is quenched with the help of borrower contributions in the form of equal payments at intervals lasting per month. If the next payment is not paid in the installed juice, from the borrower is charged with a penalty in the amount of 0.06% of the payment for each day of delay. Credit is ensured by mortgage, i.e. Pledge. Real estate of the borrower is laid in favor of the lender - the bank. By agreement with the borrower, the interest rate may be reduced or the credit debt repayment period was changed.

Removing mortgage "Raiffeisenbank" produces in the following rates:

• 11.5% - on credit issued to acquire real estate secured by the property purchased or already belonging to the borrower;
• 17.25% - on credit for any purpose, except entrepreneurship, secured by the real estate of the borrower.

Any additional information on the size and conditions of refinancing loans, both mortgage and other purposes, can be obtained during the working time on the contact phone indicated on the Raiffeisenbank website.

Consultation and submission of documents

Advise on refinancing mortgage loans You can be in a telephone conversation with the Raiffeisenbank Consultant or in any of the bank branches during working hours. For telephone consultation, either a request left on the Raiffeisenbank website, or a call to one of his call centers is required. In the process of consulting, you will definitely report what documents are required in your case in order to apply. The provision of documents is possible both in the form of a scanned image sent to the email address of your consultant and in paper form in any of the bank branches.

Decision of the Bank about the credit for refinancing

The decision on the application of the client is accepted on time from 2 to 5 business days. The submitted application together with the package of documentation is considering bank analysts. At this stage, the employees of the Raiffeisenbank branch can contact you to ask clarifying questions. As soon as this or that decision is accepted, it will be transferred to you by your mortgage manager. If the decision is positive, the manager will tell you what documents are needed that the deposit property received the bank's approval.

In exceptional cases, the client may require:

• provide additional documents;
• increase the initial fee;
• close current credit obligations;
• take another than in a standard contract, deadlines and loan amounts.

Search procedure and approval of real estate

In the event that the decision of the Bank is positive, the client during three full months can collect documents necessary for approval of real estate - the object of pledge. Documents will take your mortgage manager by e-mail or in the branch of the bank. The documentation package will then be analyzed by bank lawyers. Approval procedure will take 3 working days, and your mortgage manager will inform you for its results. If the object is approved, you can immediately call the date when you are more convenient to make a deal.

If you failed to collect a package of documents on a three-month period, you can extend the collection time with the condition of filing new documentation for refinancing. An additional stimulus hurry for the client can be a preferential rate provided for those who have signed credit documents no later than 45 days after graduation.

If necessary, the Bank may initiate legal checkBy requesting you a number of additional documents.

In the process of approval, the client carries the costs of drawing up an appraisal report and order the necessary documentation on collateral real estate.

Preparation procedure

As soon as the object of collateral real estate will be approved, you can agree with the mortgage manager number when you are most convenient to come to the branch of the bank to conclude a transaction. You will send contacts a representative of the Bank, with which the deal will be concluded. Credit documents and a list of client documentation necessary to conclude a transaction are negotiated with a representative in advance.

At this stage, the Customer will require costs for notarial documentation.

Make a deal

After payment of the state duty, as well as the insurance premium and registration (if the service is provided by bank registrars), the transaction is held during the working day. The client signs credit, insurance and, moreover, mortgage agreements. After that, on the same day, the unconditional issuance of the entire credit amount is carried out. She is credited in a bank transfer to the borrower bank account. The procedure for registering contracts takes several working days (5-6 in Moscow and the Moscow region). Registered documents of mortgage and mortgage agreements should be necessarily provided by the borrower within 60 days from the date of crediting.

Thus, refinancing in Raiffeisenbank can be literally counted. Especially troublesome for a borrower of the procedure for a small additional fee Bank takes over. This is the perfect option for most customer-value customers, especially "salary".

Facebook.

Twitter.

In contact with

Odnoklassniki.

Google+