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    Program overview refinancing loans from the Bank VTB24

    31.10.2014

    Refinancing loans from the Bank VTB24: make life better

    Contents:

    Introduction

    Even from a bona fide borrowers there are times when for one reason or another have difficulty with the return received from the credit organization funds. In these cases, VTB24 Bank offers loans for refinancing other loans.

    Terms

    the funds are available in the domestic currency, in the amount of from 30 000 to 1 000 000 rubles.

    the interest rate is equal to from to 13.95%.

    the Attraction of the guarantors are not required.

    the Fee for the issuance of loan and its maintenance are taken.

    loan refinancing is possible, provided that before the expiry of the credit agreement is not less than three months within the previous six months, the collection was carried out by the client regularly, and a loan from another Bank was received in the Russian currency.

    Documents

    To obtain a loan for refinancing the client must meet the following requirements:

    • the Presence of Russian citizenship;
    • the Age of 21 years at the time of applying for the loan and not older than 70 years on the date a full refund;
    • permanent position registration in the region that is served by a structural subdivision of the Bank;
    • permanent source of income and the possibility of documentary evidence;
    • the Availability of work experience for a period of not less than one year in total.

    For the conclusion of a contract requires submission of the following documents:

    • the Application form at the prescribed Bank form;
    • Passport
    • Documents relating to the previous loan agreement with another Bank or notification of its size, or other document, from which you can learn about the status of the loan).

    Competition

    Loans for refinancing loans from other banks issued in ROSBANK MDM Bank and the agricultural Bank.

    Bank loans for refinancing are issued in the amount of the remaining debt to another credit institution, provided the safe make periodic payments to the repayment of the last within the previous six months. The date of refund, the customer can choose yourself. To obtain the money required to provide security in the form of attraction, as guarantor of the same individuals when the loan amount is not more than 500 000 rubles, and the involvement of two guarantors when the loan amount is more than 1 000 000 rubles. The amount of granted loan can vary from 20 000 to 1 500 000 rubles. The contract term from six months to five years.

    In the agricultural Bank loan refinancing is issued in domestic currency, in an amount not exceeding 1 000 000 rubles. The agreement with the Bank is for a period of not more than 5 years. The interest rate is set depending on the loan period and the presence or absence of the contract of personal insurance and is when the lending period is not more than two years and the contract of 18.5% per annum, and in the absence of agreement — from 20,25% per annum. When the lending period from two to five years and the availability of the insurance contract, the bet amount is equal to 19% per annum, and in the absence of agreement — from 20,75% per annum. The presentation of the reimbursement received from the Bank the amount of the collateral on property owned by the client, as well as attracting as the surety of one natural person, if the loan amount is not more than 300 000 rubles, and two individuals, if the credit amount exceeds 300 000 rubles. Among the requirements customers have Russian citizenship, age at least 18 years old when applying for a loan and not older than 65 years as on the date a full refund, credit history, no delays in payments in the repayment of the previous loan within the prior years.

    Feedback

    Positive reviews about the loan from the Bank VTB24 refinancing leave those customers for which sufficient of the issued amount. In addition, there is reasonable interest rates and requirements of the clients, as well as a small package of documents.

    Negative reviews have a place in situations where specified in the loan terms amount is insufficient to cover the debt to another credit institution. In addition, causes misunderstanding the omission of the term of the contract with VTB24.

    Conclusion

    Loan refinancing from the Bank VTB24 is a program of loans in order to facilitate repayment of loans issued by other banks. Provides the possibility of obtaining significant but not very large in comparison with other credit institutions cash, acceptable interest rates, minimum requirements for customers and a small package of documents. Simultaneously, do not specify a crediting period, which is calculated individually. In case of disagreement with the terms of this program, you can use a similar offer from another Bank.

    Advantages of credit :

    1. Low interest rates;
    2. Low requirements to customers;
    3. a Small package of documents.

    Disadvantages of credit :

    1. Provided the amounts are not always sufficient for repayment of loans to other banks;
    2. the Term of the contract is not defined.

    article Summary: From our review you will learn: what is refinancing loan, whether to use this service VTB24 and what are the competitive proposals. refinancing loan, VTB24, VTB Bank

    Source: Overview of programs refinancing loans from the Bank VTB24

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