Refinancing a mortgage at Raiffeisenbank. Refinancing at Raiffeisenbank: conditions, interest rate. Borrower requirements

Refinancing is an opportunity to issue a new loan on more favorable terms in order to repay the old one. Usually, a new loan is issued at another bank, although you can first apply to the same financial institution with a request. However, the conditions, as a rule, do not differ much from the initial ones, and individuals decide to contact another bank.

The financial institution Raiffeisenbank offers favorable conditions and low interest rates for reinvestment. You can find out what documents are needed and what requirements for a client in Raiffeisenbank are in the presented material.

Interest rate on mortgage refinancing at Raiffeisenbank

If an individual applies for mortgage refinancing at Raiffeisenbank, then the client expects more loyal conditions in comparison with the previous ones. In a banking institution, the size of the interest rate depends on the purpose for which the previous amount of money was issued (consumer target loan, mortgage, car loan, etc.). Also, if the person was a participant in a project or is a corporate client, the interest rate will be lower. In addition, additional benefits are accrued.

Whether the interest rate is fixed or floating depends on the terms of the contract. It should be noted that in Raiffeisenbank you can get a mortgage for:

An apartment or townhouse in the secondary housing market;
An apartment in the primary real estate market;
A finished house with a land plot.

Also, an individual can get a mortgage for the repair of a residential building.

The interest rate for refinancing individual mortgages at Raiffeisenbank is 11.9%.

It should be noted that the advantages of mortgage refinancing at Raiffeisenbank for individuals are as follows:

assistance in transferring a loan and preparing documents,
replacement of a foreign currency mortgage with a ruble mortgage,
decrease in interest rates,
extension of the loan repayment period.

Conditions and requirements

In order to obtain bank approval for a mortgage refinancing application, an individual must meet a number of requirements. First of all, bank employees pay attention to:

Client's solvency;
Income amount;
The presence of additional spending.

All this can be confirmed by submitting documents from the place of work and certificates from the previous creditor, proving the absence of delays in payments.

Raiffeisenbank also imposes the following requirements on potential borrowers:

age over 21, but under 65;
the presence of a temporary or permanent residence permit. Refinancing is provided to both foreign citizens and residents;
official registration;
official employment, stable earnings and work experience. The amount of income for the central regions must be above 20,000 rubles per month. For other regions of the Russian Federation - from 15,000 rubles. It is worth noting that refinancing is done if the work experience at the last job is six months, taking into account the total length of service of one year. And at least three months of work in the last position with a total experience of two years. If this is the first employment of the borrower, you need to work at least one year in the company to get a mortgage;
good credit history and one successfully completed and closed loan at the time of filling out the application;
if a potential client has open loans in other banks, refinancing will be refused (except for a mortgage, with which the client applies to Raiffeisenbank);
to obtain mortgage refinancing, you need to find a co-borrower. The official spouse becomes automatically co-borrowers. If a close relative is involved in the role of a co-borrower, he should not have a share in real estate under a mortgage.

If an individual meets the requirements, the conditions of the loan itself, issued in another financial institution, will be considered. Mortgage requirements:

Raiffeisenbank considers only an apartment as collateral;
The property must be encumbered by the previous lender;
The procedure for transferring property on bail applies if the apartment is in use by only one person;
Mortgage loan currency: rubles;
The property must be in good condition. Bank specialists pay attention to the year of construction and the presence / absence of faults. To refinance a mortgage, the apartment must have a bathroom and a kitchen. It is also necessary to have cold and hot water supply, serviceable doors, windows, roofs and plumbing equipment.

If an individual and real estate meet the requirements of the bank, it is necessary to prepare a package of documents. The documentation list includes:

Passport;
SNILS;
Documents confirming the fact of employment: work book, certificate of income in the form of 2-NDFL or according to the sample of the bank;
Marital status documents: marriage or divorce, children;
Application for reinvestment;
Loan agreement for a refinanced transaction;
Ownership documents of the mortgaged apartment.

Refinancing mortgages for foreign citizens is possible at Raiffeisenbank. At the same time, the list of documents for them is expanding. Foreign citizens provide:

passport;
documents confirming legal stay in the territory of the Russian Federation.

Refinancing loans

Refinancing of consumer loans at Raiffeisenbank takes place on favorable terms. The main thing is to comply with a number of requirements put forward by the bank:

Documentary evidence of monthly income in the amount of 15-25 thousand rubles;
Reaching 23 years old. However, a citizen must not be over 67 years old;
Registration in a region that is approved by a banking institution;
Work experience of at least six months at the last job;
Availability of telephones: work and home.

The interest rate for the reinvestment of a consumer loan is: 11.99%.

This rate is valid provided that the client is a participant in the financial protection program. Without participation, the client will receive a rate of 16.99%.

But interest can rise if the client does not provide a certificate issued by the primary lender on the full repayment of the loan.

You can also apply for refinancing for a car at Raiffeisenbank. Car loans are issued at 17-18% per annum, depending on the model and age of the car.

But there is an important condition: the car loan service is valid in the case of a car on bail.

Required documents

The list of required documents for refinancing a targeted or non-targeted consumer loan includes:

Application form;
Passport;
A document confirming the existence of income: a certificate of type 2-NDFL, according to the sample of a bank or a declaration in the form of 3-NDFL;
A copy of the labor book.

The official website of the bank has a detailed description of the calculation of refinancing for individuals. For maximum convenience, an online calculator works.

Application submission and processing time

You can apply for on-lending a mortgage, consumer loan or car loan at Raiffeisenbank online or at the bank's branch itself. The first option is preferable to avoid queuing. To do this, you need to go to the official website of the bank and fill out an application. The application is formed on the basis of a completed questionnaire. It must indicate: personal and contact information. It takes about 10 minutes to form a request for reinvestment. After that, the bank's specialist will call the specified number within 3-5 days and announce the decision. In case of a positive answer, the client with a full package of documents is sent to the bank for further signing of acts.

Bank Raiffeisenbank offers mortgage refinancing on favorable terms in Bolshevik. This financial product is aimed at clients who have taken out a loan to buy a home from other banks and who have found themselves in a difficult financial situation. You can apply to Raiffeisenbank for refinancing, after which you will be offered a new payment plan and interest rate.

Any individual who meets the requirements of a financial institution can take advantage of the offer.

Features of mortgage refinancing from "Raiffeisenbank"

The credit company has created an offer - mortgage refinancing for clients aged 23 to 60 years. The loan must be closed before reaching the upper age limit. It is also necessary to have work experience of 1 year and continuous work experience of 6 months at the last job.

To obtain mortgage refinancing at Raiffeisenbank in 2019, a pledge of existing property is required.

A financial institution in Bolshevik offers an interest rate of 9.29%. You can find out its exact size from the manager, telling him all the necessary information about yourself and submitting a package of documents. The first installment must be at least 15%.

The Vyberu.ru service offers a convenient calculator for assessing the mortgage load on your family budget. To view the payment scheme, you must indicate the loan balance, the amount of the first installment and the maturity date. After that, you will see the monthly cost of repaying the loan and the total amount of overpayments.

Borrower / co-borrower participating in income

Co-borrower may be

When refinancing a mortgage loan

Official spouse.
"Civil" spouse Non-registered marriage persons of different sexes and not married to other persons. Provided that the Common-law spouse of the Principal Borrower is the pledger..

Close relatives Without vesting property in collateral. The Borrower and / or spouse (s) / civil spouse (s) of the Borrower (provided that he (s) acts as the Co-Borrower under the loan agreement).

When refinancing a mortgage loan and other loans / receiving additional funds for consumer purposes:

Official spouse.

Age

With the conclusion of a combined mortgage insurance contract:

from 21 years of age at the time of submission of documents for a loan and must not exceed 65 years at the time of expiration of the loan agreement.

Without concluding a combined mortgage insurance contract:

from 21 years old at the time of submission of documents for a loan and must not exceed 60 years at the time of expiration of the loan agreement.

Citizenship

Any state.

Actual place of residence / work

Must be located on the territory of the Russian Federation.

Minimum work experience

Individuals employed:

At least 6 months with a total length of service of at least 1 year.
At least 3 months with a total work experience of at least 2 years.
At least 1 year, if this place of work is the first for the borrower.

Notaries in private practice / attorneys with their own attorney's office: professional activity must be conducted for at least 1 financial year.

Business owners / co-owners / individual entrepreneurs: the company must have been operating for at least 3 financial years (this category of clients is not credited under the Extended Refinancing Secured by Real Estate program).

Phone availability

A work and mobile phone is required.

Minimum income

at the main place of work after tax

Borrower:

20,000 rubles - for Moscow / Moscow region, St. Petersburg / Leningrad region, Yekaterinburg, Surgut, Tyumen.
15,000 rubles - for other regions.

Co-borrower:

10,000 rubles - regardless of the region.

Credit history

No bad credit history
Must not have more than 2 mortgage loans from JSC Raiffeisenbank and / or other banks (excluding the refinanced (s) and taking into account the newly approved one).

Non-financial co-borrower

Co-borrower may be

Official spouse.

Age:

from 18 years old at the time of submission of documents for a loan and up to 70 years old at the time of expiration of the loan agreement.

Citizenship

any state.

Credit history:

no bad credit history.

Requirements for collateral

Requirements for pledgers

Requirements for pledgers when refinancing a mortgage loan:

The previously granted mortgage loan had a specific purpose (purchase of housing pledged as collateral, purchase of real estate with collateral of other real estate owned, purchase of an apartment under construction secured by rights of claim) and the main borrower and co-borrower:
- Married: the primary borrower and / or spouse of the primary borrower and / or close relatives (adult children, parents, brothers or sisters (full / half)) can act as the pledger.
- Not married (common-law spouses): the main borrower together with the co-borrower must act as the pledger.
The previously granted mortgage loan was inappropriate (a loan for any purpose) and the main borrower and co-borrower:

Requirements for pledgers when refinancing mortgage and other loans / receiving additional funds for any purpose:

Principal borrower and co-borrower:
- Married: the principal borrower and / or the spouse of the principal borrower can act as the pledger.
- Not married (common-law spouses): unacceptable.

The apartment to be pledged must meet the following requirements:

In the case of a pledge of an apartment for which the right of ownership is registered in accordance with the procedure established by the current law:

Have a separate kitchen / kitchen-dining room and bathroom from other apartments.
Be connected to electrical, steam or gas heating systems that provide heat to the entire living area.
To be provided with hot and cold water supply in the bathroom and in the kitchen, have a central sewerage system.
Have sanitary equipment (including a bath / shower, located on the territory of the sanitary unit), doors and windows, except for apartments without interior decoration.
The possibility of lending against the security of an object with unregistered redevelopments should be checked with the bank's employees.

The apartment building in which the apartment is located must meet the following requirements:

To be built:
1. For all regions:
  - not earlier than 2000, no less than 3 storeys, regardless of the wall material.
2. For
  Moscow The real estate objects included in the list of houses within the framework of the renovation program in Moscow are not eligible for crediting. and the Moscow region:
  - not earlier than 1950, no less than 4 storeys and have brick outer walls;
  - not earlier than 1950 and no less than 6 storeys, regardless of the wall material;
  - not earlier than 1970 and 5 storeys, regardless of the material of the walls.
3. For St. Petersburg:
  - built not earlier than 1930 and no less than 4 storeys, regardless of the wall material;
  - not earlier than 1800, regardless of the number of storeys and material of the walls, in the presence of a major overhaul that was carried out not earlier than 1960 (if the overhaul was carried out before 1960, the house must be with a metal type of floors).
4. For other regions:
  - not earlier than 1950 with at least 4 storeys and have brick outer walls;
  - not earlier than 1955 and no less than 5 storeys, regardless of the material.
Not to be in an emergency condition and not to be registered for demolition or reconstruction with resettlement.

In the case of a pledge of the rights of claim to the apartment (before the registration of ownership):

AO Raiffeisenbank provides mortgage loans for refinancing mortgage loans from other banks issued for the purchase of rights of claim to real estate (at the time of the transfer of mortgage, ownership of real estate is not registered) located in projects under construction, erected in accordance with 214- FZ.
Only objects from the list of approved by Raiffeisenbank are eligible for crediting.
Not applicable when refinancing a consumer / car loan / credit card debt limit / receiving an additional amount for any purpose.

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Refinancing a mortgage is a procedure for repaying an already opened loan at the expense of a new one on more favorable terms.

Simply put, to repay the loan, money is taken from another bank. Raiffeisenbank offers more favorable terms compared to some other banks, so many clients re-register their mortgages with it.

Let's talk about the conditions and procedure for refinancing a mortgage at Raiffeisenbank.

When refinancing a mortgage taken from another bank, it is assumed that the terms of the new mortgage will be more loyal than the previous ones.

Raiffeisenbank offers borrowers the following conditions:

The maximum loan term is up to 25 years, provided that the property taken in a mortgage from another bank is transferred against the security of a bank, up to 15 years, if a non-target mortgage is refinanced;
The minimum loan term starts from 1 year;
The mortgage is issued in rubles. If a mortgage issued in a foreign currency is refinanced, then its value will be recalculated in accordance with the current exchange rate;

There are no commissions for consideration and decision-making on the application;
Collateral acts as collateral;
Mortgage funds are transferred to the client's account, opened specifically for this purpose, in a non-cash form.

Annual and additional interest rates

The amount of interest rates in Raiffeisenbank when refinancing a loan depends on the purpose for which the previous amount was issued, as well as whether the client has cooperated with the bank before (salary and corporate clients receive additional benefits).

If the mortgage is refinanced, then the interest rates will be set from 11.9% per annum until the client registers the mortgage in favor of the bank. After that, the percentages are reduced to 10.9%.

If a non-targeted loan is refinanced, then Raiffeisenbank offers interest from 17.25% per annum, depending on additional conditions.

If the mortgage refinancing agreement is signed 45 days after the bank approves the mortgage, then the borrower receives an additional interest of 0.25%. Therefore, it is better not to delay the registration procedure.

Maximum and minimum loan amount

The maximum and minimum refinancing amount is determined by the balance of the mortgage debt that was issued earlier.

Raiffeisenbank is considering the possibility of issuing a more favorable mortgage with a maximum amount of up to 26,000,000 rubles.

The minimum amount is determined by the required balance to pay off the mortgage.

However, its size is calculated depending on the value of the property, which is transferred against the security of the bank. It cannot be higher than 85% of the assessment of the pledged object.

Calculating calculator

A calculator should be used by every borrower who wants to apply for refinancing at Raiffeisenbank to see its benefits.

You just need to enter information about the required amount, interest and term, and the calculator will calculate the amount of the monthly payment, building their detailed schedule.

This allows you to see how much the amount of mortgage payments will become less if you issue refinancing at Raiffeisenbank. You can also calculate the amount you overpay on your mortgage.

Registration of mortgage refinancing at Raiffeisenbank

After the borrower sees that the conditions in the current banking institution do not suit him and decides to apply for refinancing at Raiffeisenbank, he can contact the bank for advice.

This can be done both in person and by phone by contacting the manager on the hotline. He will answer all your questions, you can also immediately send him copies of all documents by e-mail.

Alternatively, they can be provided in person at the nearest Raiffeisenbank branch.

A decision is made within 2-5 working days (depending on the complexity of the situation and the workload of the bank).

During this time, the borrower's candidacy is considered for solvency, additional information can be clarified, documents are checked. In case of a positive decision, the bank employee informs the client about this and advises on what documents should be provided regarding the property. In case of refusal, you can be guided about what information should be corrected or what caused the disapproval of your candidacy.

Useful video:

After submitting a full package of documents related to real estate, the bank makes a decision within 3 days (while the client has a period of up to 3 months to collect them, but it is worth remembering that after 45 days, additional interest appears, as well as the fact that some documents are limited).

An appraisal procedure is carried out, which is paid by the borrower, in order to determine the level of liquidity of the property. The bank employee informs the borrower about the affirmative decision by phone, after which the final version of the transaction is prepared.

The date of signing the mortgage agreement is agreed upon, and the day before it, the manager contacts the client. At this stage, it is necessary to pay for the services of a notary for the execution and certification of copies of documents.

Registration of mortgage security takes place within 60 calendar days, when the property is transferred against the security of the bank. The borrower pays registration and government fees, as well as insurance.

Required documents

In order to apply for mortgage refinancing at Raiffeisenbank, you must provide the following documents:

Completed application indicating the purpose of refinancing,;
A copy of all pages of the passport of the borrower and co-borrowers for the previous and new obligations, as well as other personal documents that can confirm the availability of benefits;
Income statement;
A copy of the work book or employment contract;
Documents confirming ownership;
A copy of the previous mortgage agreement and other information about this obligation;
Owners of their own business provide a copy of the articles of association or articles of association of the enterprise.

Borrower requirements

One of the requirements is that the borrower's income must be at least 15,000 per month (for some regions - 20,000 rubles), for the co-borrower this figure has been reduced to 10,000 rubles.

When refinancing a mortgage at Raiffeisenbank, borrowers can be borrowers of the previous obligation (official or unofficial spouses), as well as close relatives (children, brothers, sisters, parents), if their property is involved in securing the mortgage or their rights are affected by the conclusion of the contract.

The following requirements are put forward to the borrower, as well as to the co-borrowers, in Raiffeisenbank:

At least 21 years of age at the time of the mortgage registration and not more than 65 years of age at the time of full repayment of the loan debt;
Citizenship of Russia or any other country;
Accommodation and work place in the territory of the bank's authority;
Permanent or temporary registration in the region;
Work experience from the last place of work, which depends on the total length of service, but at least 6 months with a total work experience of 1 year;
Availability of a mobile or landline phone;
Good credit history and no more than 2 current outstanding loans from Raiffeisenbank or another institution.

Bond requirements

Requirements for the collateral transferred to Raiffeisenbank when refinancing a mortgage depend on the type of property that acts as collateral.

The bank has established a specific list of settlements in which the collateralized real estate can be located. ...

General requirements for an object of collateral for any type of real estate when refinancing include:

The collateral is the same real estate as for the primary loan;
Real estate should not be encumbered, except for the creditor bank under the refinanced mortgage agreement;
The ownership of an apartment must be formalized in the manner prescribed by law;
The repayment of the previous obligation occurs after the registration of the transfer on the security of the object to Raiffeisenbank;
The pledged property must not be in the use of third parties under a lease, lease or sublease agreement;
Only relatives of the borrower and the borrower must be registered on the property.

Other requirements are established regarding the size of the living space, the location of the apartment or house, their condition, as well as sufficient liquidity.

Mortgage repayment

The mortgage is repaid on a monthly basis in equal annuity payments.

Their size depends on the amount issued and the specified period, as well as the accrued interest.

Early repayment of the mortgage at Raiffeisenbank is possible without additional payments, you just have to apply with an application after the required amount has been paid in order for the encumbrance from the pledged object to be removed.