VTB refinancing of the credits of other Index PHP ShowForum. Conditions for refinancing loans at VTB Bank are the necessary documents and requirements for the borrower. Application status notice

Modern society is unlikely to have its existence without financial support from banks. And what more banks Offer, the greater the demand for consumers. After all, the opportunity to take a thing and not pay for it causes genuine interest. But, unfortunately, not always needs and opportunities can intersect.

When it is impossible to pay off debt to the bank, you can use the services of refinancing. Refinancing in VTB 24 - great way solve problems arising.

About Bank

VTB 24 is one of the largest representatives of financial organizations working on economic market. It enters the international group VTB and the priority in its activities considers work with individuals, entrepreneurs and owners of small business. Bank covers about 72 regions of our state, offering consumers the main financial products: lending, corporate service, money transfers, opening deposits, as well as refinancing program. Refinancing in VTB is a great way to reunite several loans and reduce the interest rate. Let's consider this question more.

Concept of refinancing

The very essence of refinancing is to design a new loan in order to close credit obligations to other banks. Each bank when dedicated is trying to create comfortable conditions for its client: to change the amount of the monthly payment, the loan period and the date of making payments. Refinancing VTB 24 carries out only in the interests of the borrower, helping him to avoid fines and while maintaining a good credit history.

But each client of the bank, who wishes to conclude a refinancing agreement, should understand that with a decrease in payments, crediting period increases, and in some cases and interest rate on the loan, which entails a substantial overpayment.

Primary requirements

When does refinancing take place? Including) conduct this operation only if the borrowers meet the requirements of the organization. These include:

Age limits: The Bank provides services to persons from 21 to 70 years.
The presence of Russian citizenship.
The presence of permanent earnings.
Positive credit history.
The working experience in the last place should be at least a year.
The presence of guarantors.
Full package of documents.
VTB-Bank refinancing loans only in the event that financial organizations where loans were taken are not related to the VTB group.

Documentation

If the borrower meets all the above requirements, it will need to collect and provide the following package of documents:

The passport of a citizen of the Russian Federation marked on the permanent registration in the lending region, a copy of this document.
The certificate of income to which should be decorated within a month until the time of contacting the bank.
Insurance certificate.
Statement of the guarantor and a copy of his passport.
Document confirming property ownership.
Agreement) in the case when the loan exceeds half a million.
Directly credit contract.
Statement of the borrower.

Refinancing in VTB 24 will be issued only when the bank employee will check all the documents provided and information about the borrower. Persons who are salary customers of the organization can be constructed with the provision of the minimum package of documents.

Methods for submitting an application

An application for refinancing in VTB 24 can be submitted in several ways:

Visit the office of the Bank, where the manager is already directly prompting how to fill out the application form and what documents must be provided.
Fill out online form. To do this, go to the official website of the bank, find the appropriate tab and make the necessary data.

The borrower will have to indicate:

data on the current loan: type, lending period, interest rate, debt balance on the current date, lender bank bik and account;
contact details;
place of main work;
labor experience in the last place of work.

Usually, one day takes place for consideration of the online application, after which the bank employee calls back to clarify the emerging issues and the announcement of the decision of the financial organization.

Types of refinancing: Mortgage

Transform a mortgage loan will help VTB 24 Bank 24. Refinancing is carried out in several stages:

Compiled new Credita contract secured by real estate or purchase of an apartment.
The obligations to the creditor bank are closed, and the real estate is transferred to the pledge of VTB 24.

You can be overlooked in the amount of half a million to 90 million rubles. For a period of 5 to 50 years. Percentage rate varies from 12.95 to 17.4%. Everything will depend on credit Product. Either it will be a mortgage for the purchase of real estate, or a non-target loan secured by the apartment. Salary customers can count on minimal rates and simpler loan design.

Consumer credit

Almost one hundred percent approval for consumer loans and re-issuance of credit cards guarantees VTB 24. Refinancing of loans can combine up to nine contracts from different banks that are not included in the VTB group.

The main limit conditions are:

The size of the main debt on the loan or on a credit card varies from 100 thousand to 3 million rubles.
The lending period is from six months to 60 months.
Percentage rate - 15%.

It's believed that this species Refinancing is the most common and most simple.

Car loans

If you need to refline the car loan, you can also contact VTB-bank. Refinancing in this case occurs on other conditions:

The borrowed amount varies from 30,000 to a million rubles.
The rate is from 13.95%.
The contract is for a period of up to 60 months.
Car transport becomes protected property financial organization.
The borrower is obliged to issue a casco.
Monthly payments are carried out equal amounts.

In this case, the Bank offers its customers rather favorable conditions that allow you to avoid problems with the law.

Algorithm of action

Financial organization VTB Refinancing of loans from other banks is carried out by quite a clear and consistent algorithm that the borrower must comply. Consider it in more detail:

The bank's client should independently find out the amount of debt on the current loan and the number of payments paid.
With the available information, the borrower can contact VTB 24 Bank, personally visiting any convenient office or by filling out the online form on the organization's website.
The Bank Manager for the provided data determines the format of the looting, leads the process of consideration of the application, and also reports the results.
If the bank was given a positive answer, the borrower must collect and provide the entire list of necessary documents and transfer it to the processing of the manager. Based on these documents, a loan agreement is drawn up, which should be signed by both parties.
Funds that are listed by the borrower to the specified account must be made to the repayment of the available credit debt Before third-party bank. In the relevant period, the borrower begins to pay funds in favor of VTB in accordance with the new terms of the contract.

Based on the listed, it can be concluded that the proposed transparent and favorable conditions, a simple list of documents, a simple algorithm of actions make the VTB 24 refinancing program available to most citizens and quite competitive in the financial sector.

A life modern man It is difficult to imagine without borrowed money. Proposals of banks on lending to population give birth to huge demand: the possibility of spontaneous acquisition can not be not interesting. The implementation model of the purchase "get now - to pay later" uses almost everyone.

Optimistically peeping into the future, the borrower seems on the shoulder long-term credit. But sometimes there are unforeseen circumstances, because of which the debt does not work out. By the solution of such a problem is to be dedicated. In VTB 24, as in other banks, there is a loan refinancing program. In the article, consider it in detail its conditions.

The essence of refinancing

Removing is the design of a new loan in order to partial or full repayment obligations to the bank (banks). The organization tries to create the most comfortable conditions for repayment: changes the amount of the monthly payment, credit period, the date of the contribution. The client gets the opportunity to repay previous obligations without any problems, avoiding penalties and without spoiling a credit history.

Is this so profitable? It all depends on the situation. For some categories of persons, the dedication in VTB 24 will reduce not only monthly payment, but also an annual bet. It is also worth understanding that the decrease in contributions will lead to an increase in the term of the loan agreement. Overpayment on a refinanted loan will be higher.

Bank requirements

Not every borrower will be able to transfer. To potential customers, VTB 24 will make some requirements. A borrower will be available if it corresponds to the following conditions:

Age from 21 to 70 years.
Citizenship of the Russian Federation and local regulation.
The presence of stable earnings.
Positive repayment experience of previous loans (lack of overdue, penalties).
Work experience in this post is at least 12 months.
Presence of guarantors (co-coaches).
The presence of the necessary documents.

24 is only possible if the bidder is a third-party bank. In other words, the procedure is not realized for the debtors of PJSC "VTB 24", "Postal Bank", "Bank of Moscow" and "TransCreditBank".

Package of documents

If all conditions are met for refinancing, the applicant must be provided with the necessary paper to the bank. In general, it will take:

Passport and its copy.
Permanent registration in any region of the Russian Federation, where there is a branch of the bank.
Help 2-NDFL, decorated 30 days before handling VTB 24.
SNILS.
A copy of the guarantor passport and the application from his behalf.
Documents on property and ownership (in the case of refinancing mortgage and car loan).
A copy of the employment contract or employment book (if the loan amount exceeds 500 thousand rubles).
The loan agreement to pay off.

The package of documents is attached to a questionnaire application, which can be filled in the BTB 24 bank branch. The dedication is carried out only after employees of the organization consider the provided paper and invite the client to conclude a contract. WTB 24 salary clients have the ability to re-transfer a loan by providing minimal amounts of papers: a passport, SNILS and loan documents.

Application for refinancing online

Fill out the questionnaire and send it to the bank manager and with the help of the Internet, without leaving your home or workplace. To do this, visit the official website of VTB 24 and select the corresponding string in the main menu. Opening the application form for refinancing, you will need to specify:

Information on current debts: Loan type, term, interest rate, balance of principal debt, bik of the financial organization and details of the current account.
Contacts for communication.
Personal data.
Place of work and work experience.

The completed questionnaire is sent for consideration, which is usually performed during the day. An employee of the Bank will contact the applicant using a contact phone and report on the decision of the refinancing issue.

Refit programs

VTB 24 on favorable terms suggests solving the problem of unbearable monthly payments for loans of different types. The Bank carries out refinancing for consumer, mortgage and automotive lending programs, as well as credit cards. These requirements are minimal:

Debt in rubles.
The term of the loan agreement expires at least after 3 months.
Lack of overdue and debt.

To take advantage of the service, it is necessary to provide an application and a package of documents to VTB Bank 24. The dedication is carried out with a fixed interest rate in 15%. Commission for the translation of funds is absent. The procedure is carried out in a short time: within 1-3 days after submission of the application. For salary clients, the contract can be concluded on the same day.

Refinancing consumer credit or credit card

The Bank guarantees one hundred percent approval for consumer loans and renewal debts on banknotes. It is possible to combine in one contract to 9 loans decorated in other financial institutions that are not included in the VTB 24 group. Or payments plastic cards Perhaps with the amount of the principal debt from 100 thousand to 3 million rubles for a period of 6 months to 5 years. Fixed rate - 15%. Refinancing of credit card or loans on consumer needs - one of the most simple banking operations from high percent Approval.

Removing mortgage

In VTB 24, you can reorder and loans under real estate. Chances of a positive bank response is somewhat less than when refinancing consumer credits. When approving the application, the operation is performed in two actions:

Registration of a new loan agreement secured by property or purchase of housing.
Repayment of obligations and transfer of property in pledge bank VTB 24.

Removing is carried out in the amount of a loan from 500 thousand to 90 million rubles from 5 to 50 years. The annual rate at the same time will be 12.95-17.4%. Its size depends on the type credit Program: Mortgage for the purchase of housing on the primary or secondary market, a non-target loan secured by real estate. Salary customers service is provided in a simplified order using the minimum interest rate.

Renewal of car loans

24 is possible for owners of passenger cars purchased on borrowed funds. Requirements for applicants do not change, but the refinancing conditions are several others:

The loan amount is from 30 thousand to 1 million rubles.
Annual rate - from 13.95%.
The term of the contract is up to 5 years.

At the same time, the car becomes the collateral property of the bank, which obligatory Must be insured under the CASCO program. Regardless of the loaning program, the loan repayment is carried out by annuity payments. Monthly sum Contributions remains constant throughout the entire period of the contract.

Reduce the debt load allows you to limit the loan. VTB 24 offers favorable refinancing conditions that will help not only repay the obligations without problems before the law, but also increase the benefit of using borrowed funds.

Not everyone knows. If you speak an affordable language, then this is a new loan, which is issued in order to repay loans taken earlier in one or more banking structures.

This service has a lot of advantages - first, it allows you to reduce the credit burden of the borrower, secondly, to pay off the debts at once in several banks and thirdly, to extend the loan period, receiving a lower percentage.

Today many financial companies The list of your proposals included the refinancing service. I did not exception and VTB 24 Bank 24. Consider the conditions for this organization. Also, when deciding to make refinancing, it is important to know the level of inflation at the moment.

What VTB differs from VTB 24?

Before proceeding with the question of refinancing, let's first figure out what the VTB Bank is different from VTB 24.

As for VTB 24, this is a subsveron enterprise of Vneshtorgbank, founded 2005. The full name "Vneshtorgbank retail services". The main scope of activity is the provision of financial services to individuals and individual entrepreneurs Middle and large links.

Refinancing Mortgage in VTB 24

One of the services provided by VTB 24 Bank is refinancing or, if we speak easier, the loaning of the loan decorated by the consumer in another financial structure. To take advantage of the mortgage refinancing program, the client and the credit itself must meet certain requirements put forward by the company.

The applicant must comply with the following criteria:

be a resident of the Russian Federation;
have age within the 21st year - 70 years;
be employed in one place for a minimum of 1 year;
possess the evidence of its good material situation;
have a permanent residence permit.

The mortgage loan provides such requirements:

there should be no overdue of payments and debts;
all documents for acquired housing must be present;
the purchased object should be in proper condition and do not need major repairs;
it is necessary that the mortgage agreement is concluded in rubles.

The list of requirements for the decision of the bank can be expanded or simplified.

Conditions

Refinancing conditions in VTB 24 Bank are as follows:

annual interest rate - from 9.7%;
currency - Rubles (refinanciser monetary mortgage In the VTB 24 Bank is impossible);
the volume of mortgages is no more than 80% of the value of the object (when applying for two documents - no more than 50%).
the maximum refinancing period is up to 30 years (2 documents - up to 20 years);
the maximum amount is no more than 30 million rubles.
maybe early repayment Loan without commissions and restrictions.

Apply the easiest way through the Internet Bank VTB.

Refinancing consumer credit

Currently, the following types of loans may be refinanced in VTB 24:

consumer loan cash or card obtained for various needs;
loan for the purchase of his vehicle (car loan);
mortgage for the acquisition of real estate;
loan on credit card.

At the same time, such requirements for the loan must be complied:

the remaining validity of the agreement is at least 90 days;
credit must be issued in Russian rubles;
mandatory absence of overdue and accrued contest.

Interest rate for individuals

Refinancing conditions consumer credit In VTB 24 for physical entities are as follows:

interest rate - from 13.5% per year;
loan period - from six months to 60 months;
maximum loan amount - 3 000 000 r.
ability to combine one to 6 loans.

The interest rate during the refinancing of the consumer loan in the amount of from 600,000 is 13.5%. If the loan is issued for an amount less than 600,000 - the interest rate from 14% to 17%.

Documentation

The VTB 24 Bank approved the following list of basic documents necessary to refinance the mortgage and consumer loan:

passport of a citizen of Russia;
all acts on the refinanted loan - an agreement, extracts, etc.;
Reduss;
a document indicating the solvency of the client (Help 2-NDFL);
if the loan amount exceeds 500,000 rubles, it is necessary to provide an employment book (copies of all pages certified by the notary).

The main documentation package for making the mortgage dedication is somewhat wide - it is additionally necessary to present all acts for real estate (purchase and sale agreement, certificate of privatization, a house book, etc.), as well as documents of the seller of housing.

Online application

Application for refinancing a loan in VTB 24 is possible through the official website and only to deny consumer debt. To do this, go to the main resource of VTB 24, and then proceed according to the instructions:

In the menu, select "Cash Credits" section;
From the opened submenu, select "Refinancing";
On the new page, where you will be redirected, read the loan conditions and press the "Fill Application" key.

Correctly fill out the form provided by specifying all the required data: Personal information (FULL NAME, year of birth, place of residence, where it is employed and so on), type of loan, closing time, interest rate and monthly payment. Here you should specify information about the organization provided by the user credit - bik, the number of the current account.

Send a completed application for consideration by pressing the appropriate key.

The term of consideration of the online application for refinancing a loan is established by the bank in the range of 2 days, after which the applicant will be reported to the result on its request. If the answer is positive, the borrower will be invited to the bank branch for presenting a full package of documents. After their consideration will be signed new credit Agreement. And the repayment of old debt or several (in VTB 24 it is possible to combine one bank loans in one to 6) a new lender will take place.

Considering that loan loaning - It is normal, and by refinancing practically every bank in the country is engaged in refinancing, then refinancing in VTB 24 consumer loan, as well as others, becomes an up-to-date issue of modernity. And falls under.

Especially since VTB 24 is formally second in popularity by the Bank of Russia. And about the dedication in the first bank (Sberbank) we recommend reading the link.

In VTB 24, you can refinance:

consumer credit
credit card
car loans

Having desires and certain knowledge of the laws of existence banking market, You can shut up almost any debt to the credit institution. And in this case, refinancing in VTB 24 consumer loan will save you the cost of maintaining the current loan.

But if you do not possess profile knowledge, then the dedication announced by banks in official press releases is not profitable for the client, but on the contrary only contributes to greater lending to the borrower than before.

What dedication gives

By dedicating in VTB 24 consumer loans, the following tasks can be theoretically solve:

reduce the size of the monthly loan payment
payment order
payment period
change loan currency (in this regard, you can also be interested in reading,)
change or reduce the interest rate on the loan
achieve improvement of lending conditions in general

ATTENTION! Refinancing in VTB 24 consumer loan or mortgage can only officially solve the above tasks, in fact the borrower does not improve its position, but rather, on the contrary.

Who is available

Not all borrowers can even count on pseudo, the banking in VTB, the bank has a whole list of candidate claims to whom it is necessary to strictly comply.

Documentation

To obtain refinancing in VTB 24 consumer loan and mortgage, you need to submit the following documents:

a set of documents confirming citizenship and identification
marriage certificate
military ID
documents on the resulting education
a set of documents from the place of work ( employment history, Help 2ndfl, certificate of income per year)
set of documents for property and property

ATTENTION! If you want to make a dedication in VTB 24 car loans or mortgages, wider requirements will be put forward to your property, which can be revealed here. Among other things, you will need a wider list of documents, and the loan conditions will be different from those shown below.

Conditions

the loan amount from 30,000 to 1,000,000 rubles
loan term from 6 months to 5 years
interest rate from 13% per annum
recovery without collateral, as well as with the provision (for a mortgage)
credit only in national currency, that is, VTB 24 does not kill currency loans
until the full payment of the current loan should remain at least 3 payments
lack of overdue for this loan for 6 months
agreement for current loan
availability of a full set of references and payments confirming the size and fact of regular loan payment
the interest rate on the loan and other conditions is desirable to find out directly at the Credit Manager of the VTB Bank 24

Credits are an integral part Human life B. modern world. At the same time, the situation was frequent when the borrower cannot pay debt in accordance with the terms of the concluded by the factors or circumstances.

If this happened to you, pay attention to the offer. Let's figure out what amount and time limits are offered to be limited, as it happens, how it is made, whether it is profitable.

What is refinancing?

At first it is necessary to figure out what implies the term "refinancing". The name means a procedure when the debtor takes a loan in a new bank, to make the repayment of old debts in other banks. Removing the payment of previous debt relates to target lending and has a number of features.

Refinancing Program in VTB 24

VTB is one of the largest banks in Russia. Annually, the Bank offers clients of various products and promotions, including services for refinancing loans in VTB.

Salary customers, as well as those serviced in VTB partner banks, can be obtained in this institution The most favorable refinancing conditions.

Such a program was developed by the banking community to help citizens of the Russian Federation, which may experience temporary difficulties with money, do not spoil their credit history.

The essence of refinancing is aimed at reducing the size of monthly payments or lending time.

Removing consumer credit

The application for the combination of consumer loans in almost 100% of cases receives approval. Refinancing loans in VTB provides the ability to combine up to six loans.

The most important conditions for such looting of consumer loans are as follows:

the size of the main debt is from 100 thousand rubles to 3 million;
long term: from 6 months to 60 years;
from 13.5% per annum.

In VTB, you can dedicate for cars. Combining loans on this program will occur under the following conditions:

the amount of the debt amount should be from 100 thousand rubles. up to 3 million;
interest rate from 13.5% per annum (depends on the amount of debt);
the client has the right to issue an agreement for an association of car loan for a period of up to 5 years (60 months);
by signing an agreement with VTB, you agree that in case of non-compliance with the conditions for the right to car, the Bank is transferred (transport is taken as collateral);
the client must necessarily have insurance for its vehicle;
monthly payments are necessary in equal size.

Refinancing credit card

Credit from VTB is available on debt on credit cards. The main conditions for cards are the same as in previous versions.

Decision conditions

The conditions for combining multiple loans in one are among the most profitable countries for today:

low interest rate - only 13.5% per annum;
the ability to combine up to 6 loans in one;
the ability to get additional funds for any goals;
reducing the amount of monthly payment and overpayment.

Credit translation in VTB 24

To combine all your debts to one from VTB, the client will not need a large amount of time. Everything that needs to be done is to apply with the relevant statement in the Bank's Department, applying required documents. Alternatively, you can leave an application on the official VTB website, following the prompts.

Usually the questionnaire has a term of consideration to two days, but this process can delay if the application was filed for a mortgage. On refinancing mortgage loan VTB has much more stringent requirements. It takes more time to check.

Conditions of refinancing loans

Application for refinancing can individualsand legal ones. The difference only consists in combining their loans.

For individuals

Conditions for suggestions for individuals:

from 14 to 17% per annum with a total amount of lending less than 600,000 rubles;
interest rate of 13.5% per annum with a total lending amount of more than 600,000 rubles;
decision time - up to 60 months.

For legal entities

Conditions in 2019 for legal entities:

rate from 10.9% per annum;
long deduction period - up to 10 years;
convenient debt repayment schedule;
flexible refinancing conditions.

For IP

The lifting program for small businesses took the start of the spring of 2015. Since then, the service is very popular for IP. Its volumes - more than 12 billion rubles for more than 500 organizations.

The conditions are quite profitable: from 10.9% per annum, for a period of up to 120 months - all this is with the ability to repay a loan on a convenient schedule.

It is also necessary to ensure a loan. As a collateral, there may be transport, real estate or guarantee of other persons.

Is it possible to take pensioners

The offer in the bank of Moscow is available even for pensioners. Of course, the conditions for this category of the population are somewhat different, but such cooperation will still be quite profitable.

Conditions for pensioners:

the amount is not more than 1 million rubles;
the refinancing period is selected individually for each client in this category;
the age of the client is not more than 70 years;
mandatory presence of good credit history and a stable source of income.

Requirements for borrowers

Requirements for borrowers are applied as follows:

age - at least 21, but not more than 70 years;
the presence of citizenship of the Russian Federation;
the presence of permanent registration in the location region of one of VTB offices.

Documents for refinancing in VTB 24

For the application for refinancing, the client must provide the following package of documents:

passport of a citizen of the Russian Federation;
loan documentation (it may be (to choose from) a loan agreement or notification of its total amount);
SNILS.

In addition, to converted, you will need to confirm your profitability over the past six months. To do this, you must provide the bank one of the following documents (to choose from):

certificate in the form of a financial organization;
certificate in form 2-NDFL;
certificate in free form;
high income.

Salary clients of the Bank of Moscow can combine their loans without income certificate.

Application for refinancing in VTB 24 online

You can apply for a loaching program as in the office of a financial organization and without leaving the house. For the latter you will need a smartphone, a computer or any other device that has access to the Internet.

All you need to do is go to the official VTB website and fill out the appropriate form (online application). The term of consideration is 1 to 14 days.

Before applying, do not forget to learn all the information about current debt.

Customer reviews

Reviews of some of the borrowers:

Maria, 43.

Bank VTB 24 offers some of the most favorable conditions Refinancing in Russia, as well as the organization of Sberbank. Get approval on the procedure is not so difficult. The main thing here is not to bring the situation to the critical point when the union of a large number of debts in one is your only solution to the current problem. I filed an application for the union of my two loans in a large number of organizations, but only in VTB I was approved. The cooperation remained very pleased.

Peter, 27.

I had several consumer loans for the purchase of electronics. For a long time, the debt was tormented, until he learned about the program of dedication in VTB. Combined the two loans in one. Since the repayment of debt has passed 7 months. I was looking for a long time, what's the trick. Of course, such cooperation had its pros and cons, but in general I was satisfied.

Oksana, 35.

I have bad experience attempting to cooperate with VTB. Five days ago, my husband and I filed an application for dedication to VTB Bank. Unfortunately, we were refused. This is despite me, and the spouse has a high care and good. We are going to try to apply in a new way, but this time in Alpha Bank.

Leave an application for refinancing

Those who do not trust Internet can apply in the nearest branch of VTB Bank. Do not forget to take a passport with you and any document that confirms your yield.

After that, the process of consideration of the application occurs. How long does it last? As a rule, it leaves from 3 to 14 days, depending on the type and total amount Your lending.

With a positive decision of specialists credit organization You will be invited to the VTB Department for the conclusion of the contract. If the decision of the bank is negative, you will not be notified by SMS to the phone specified in the questionnaire.

Refinancing mortgage loan

It is important to note the first to note that the mortgage refinancing is more complicated than any other loans. Such a process has its own characteristics. It is divided into the following steps:

At the first stage, the client shall apply.
The process of consideration of the application.
With a positive decision of a credit specialist with a client, a contract concludes a real estate as a collateral.
Amortization.
At the last stage, when the debt is already repaid, the client gets all the rights to its real estate.

dates on mortgage refinancing - up to 30 years;
interest rate - from 9.45% per annum;
the total amount of the loan should not exceed 30 million rubles;
for the registration of the shutdown, the commission is not charged;
currency - Rubles of the Russian Federation;
the borrower has the right to repay debt ahead of time without paying fines.

Pros and Cons Refinancing from VTB 24

In fact, the union of all its loans in one is very convenient and economical. By concluding an agreement with VTB, you will no longer spend a large amount of time to repay payments, getting from the bank at one point in the city to another. From now on, it will be enough to extinguish all debts at once every month.

Among the advantages can also be allocated:

Saving. The conclusion of a treaty with VTB to refinancing will help you to save perfectly by reducing the amount of a loan.
The ability to reduce the amount of the amount of monthly debt payment. If you are experiencing problems with cashAnd the amount of debt is so hot for you, refinancing from VTB will be able to help you with this. Combining several loans in one and increasing total time Payments, you also reduce the amount of the monthly payment.

But imperative on the advantages, you can allocate disadvantages:

Restrictions on the age of the borrower. As a rule, the terms of payments for the eldest category of the population are reduced. This entails an increase in the amount of the monthly repayment.
Develop refinancing have the possibility of exclusively citizens of the Russian Federation. Requirements in VTB Bank are strictly respected, so the service for those who live in Russia is temporarily unavailable.
Lack of informing. In case your application for combining several loans to one will be rejected, you will only receive a failure notice. The financial organization has the right to not call the reasons, but for the borrower it becomes a problem, since knowing the reason, he could try to correct them and apply again.