The refinancing program of mortgage loans in Sberbank. The procedure for refinancing a mortgage loan in Sberbank. Terms of providing the applicant by Sberbank Mortgages in two documents

In 2017, the owners of mortgage treaties were able to convert them at the advantageous pricing policy of Sberbank. Refinancing Mortgage in Sberbank in 2017 is a measure of state support of individuals who hold ruble or foreign exchange contracts. Interestingly, such a program has already been launched in 2015, but was completed. In March 2017, the largest financial institution of the Russian Federation decided to resume it with new conditions: consumer and car loans were added, which significantly expands the number of potential users of the program.

What is the refinancing of the mortgage

Removing is the process of taking a new loan to repay the old. This is done in order to reduce the interest rate and the cost of monthly payments. Large credit market players offer similar services to customers from other financial organizations. The scheme of the process is simple - a new loan is taken, at the expense of which the old, fully or partially comes. The deposit is reissued where a new contract for software has been concluded and the account maintenance is carried out.

Refinancing Program in Sberbank

The new mortgage refinancing program in Sberbank in 2017 began to operate on April 18, 2017. It concerns currency and ruble lending and a number of other loans, offered to customers of other banks. Now this is the most advantageous application, the value of the bet is 10.9%, the retail - 11.65%, which is lower than that of other major financial institutions, and the percentage size does not depend on the income of the borrower. In addition, the absence of commission is declared.

Removing and in Sberbank

Refinancing Mortgage in Sberbank in 2017 involves a bet of 10.9 percent per annum, in addition, it is additionally offered to shift the mortgage in Sberbank in 2017 to 5 contracts of other areas per person (cars, credit and debit cards, consumer). Mandatory condition: among them one must be mortgage. Of the advantages, it is possible to note the possibility of consolidation (general payment), the lack of requirements for debt residues in other organizations.

Refinancing Mortgage of other banks

Refinancing a mortgage loan in Sberbank of customers of other banks also falls into this program. The goal is to significantly reduce monthly payments. The mortgage agreement falls under the refinancing of the Sberbank mortgage, while the property is reissued to the credit institution where the contract is concluded. It is better to make it faster, because until the pledge is listed elsewhere, an increased interest rate is valid. The minimum amount is 500 thousand rubles, the term is up to 30 years.

General requirements for borrowers:

Age - from 21 years, at the time of the end of payments - 75 years;
Work experience from six months in one place and 1 year of the total experience in 5 years;
The borrower must be such on all contracts that are refinanced, and its spouse is becoming a coacher, except for those who receive a salary on the debit card of the Solition or has a contribution to the deposit.

Refinancing currency mortgage in rubles

The program for moving currency mortgage agreements began to operate in 2015 after a sharp increase in the euro and dollar rate in relation to the ruble. In fact, all the holders of foreign currency mortgage agreements had to pay 2 times more. At that time, Sberbank established a preferential course in which foreign currency was converted into rubles. Now the situation has become more stable, but the program has been acting so far.

Substantine refinancing rates

In the case of refinancing mortgage of other banks, a rate of 10.9% per annum is proposed. When joining loans from other banks (consumer, cars, by cards), the rate grows up to 11.65. Clients of the Bank itself in this case are offered 11.15%. The client can get some amount in cash, then the rate will be 11.65%. The exact amount of payments can be calculated on the Calculator on the Bank's website.

There are surcharges to the main rate of 1%:

until the past mortgage loan was repaid;
until the registration of the mortgage agreement has not been recorded and the purchase and sale agreement was not concluded;
while other loans are not closed, which must be refinance;
if the borrower abandoned voluntary health and life insurance offered by the lender.

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Refinancing Mortgage in Gazprombank in 2019 is produced on favorable terms and makes it possible to reduce the interest rate of the maximum bank's mortgage loan.

Gazprombank offers refinancing of the mortgage of other banks

The dedication of the mortgage in Gazprombank gives the client the opportunity to repay the current loan that has become unprofitable, taking a new housing loan under a smaller percentage.

In this way, it is possible to reduce the monthly payment by reducing the interest rate or increase the credit period, as well as to improve other loan conditions. As a result, it has a positive effect on the family budget, since free money appears that you can spend on other needs.

It is important to note that in Gazprombank today it is possible to refinance not only one mortgage loan, but also several different loans immediately, uniting them into one.

For example, it can be mortgage and consumer loans previously taken in one and even several banks. The main thing is that the client remains to repay no more than 80-85% of the cost of real estate.

If this is your case, then we will analyze the features of Gazprombank's proposals. See how today there is a dedication of mortgages in Gazprombank, what documents are needed for this and much more.

1. Gazprombank: interest and conditions of refinancing Mortgage in 2019

Conditions

Currency: rubles;
Minimum amount: 0.5 million rubles, but at least 15% of the value of real estate;
Maximum amount: 45 million rubles, but not more than 85% of the cost of real estate when buying an apartment in the secondary market
(no more than 80% - on primary);
Minimum time: 3 years 6 months;
Maximum period: 30 years.

Interest rate of the loan for refinancing Mortgage in Gazprombank

from 8.8% per annum in rubles

Dumping:

As you can see, the percentage is quite profitable. But there are several nuances. This rate is valid only subject to the execution of the policy of the Borrower's Death Risk Insurance Treaty or loss of the ability to disability / risk (voluntarily).

Calculate monthly payment on mortgage

Insurance

What kind of insurance will have to be issued for receiving favorable credit rates on refinancing in Gazprombank? There are several of them.

When purchasing an apartment in the secondary real estate market:

1. Mandatory

insurance of real estate object;
title insurance in cases provided for by the internal requirements of the Bank.

2. Voluntary

personal insurance.

When purchasing an apartment on the primary real estate market:

1. Mandatory

insurance of real estate object.

2. Voluntary

personal insurance.

See, under what conditions today you can refinance the mortgage in

2. Promotions for refinancing Mortgage in Gazprombank

In 2019, the Bank holds shares to provide loans for mortgage refinancing.

Promotion 9.2%

Its conditions are as follows:

9.2% Single rate regardless of the debt balance and loan term for all borrowers;
Loan period - up to 30 years;
Consideration of the application from 1 working day;
Mandatory execution of personal insurance.

Promotion from 8.8%

Its conditions are as follows:

8.8% Single rate regardless of the balance of debt and loan term;
Debt balance - up to 80% of the cost of housing;
Loan period - up to 30 years;
Consideration of the application from 1 working day.

Dumping:

0.5 For those who are not a salary client Gazprombank.

Mortgage applications for refinancing apartments on the secondary housing market are involved in the promotions. The decision on the approved application is valid for 3 months. The application can be submitted in any branch of Gazprombank or through the Bank's partners.

Watch whether today is the conditions for making a mortgage of other banks in

3. Who can issue a mortgage refinancing in Gazprombank

The Bank places simple and understandable requirements for potential borrowers:

citizenship of the Russian Federation, permanent registration in Moscow, Moscow region or locations of the branches of Gazprombank;
lack of a borrower negative credit history;
age from 20 years to 65 years (at the date of full repayment of the loan);
continuous working term at the last place of work for at least 6 months;
general employment experience at least 1 year.

And most importantly, it is important that the income of the borrower should allow to obtain and maintain the requested loan amount.

4. Documents for refinancing Mortgage in Gazprombank

In order to apply for the transfer of mortgage in Gazprombank, you need to collect a whole package of documents:

application form for a mortgage loan;
original and a copy of the passport of the borrower or other identity document;
insurance certificate of state pension insurance (it is enough to specify SNILS in the application-questionnaire);
a copy of the employment record, certified on each page of the employer's seal.

Documents confirming income

certificate in form 2-NDFL;
the original deposit / bank account statement opened in any bank containing information about the wage transfer received by the signature of the official and the print / stamp of the Bank;
help in the form of Gazprombank.

Additional documents for refinancing Mortgage

credit agreement (copy);
help of another lender about the amount of the Customer Debt of the Credit Treaty, issued not earlier than 30 calendar days before the date of granting in Gazprombank;
documents on pledge.

See Mortgage Refinancing Conditions

5. The procedure for issuing a loan for refinancing Mortgage in Gazprombank

If the client, after reading all the conditions, decided to shift the mortgage in Gazprombank, then he needs to make a few simple actions:

Fill in the application on the official website or in any of the bank offices. After that, within 10 business days, representatives of the Bank will report on the results of the consideration of the credit application. We hope the solution will be positive, the process can move on.
Contact an independent evaluation company to assess the real estate object.
Subscribe the necessary credit documentation, and the bank will list credit funds at the expense of debt on the primary mortgage loan.
Make the state registration of the mortgage, as well as the transfer of the collateral of the property from the primary credit institution in favor of Gazprombank in the registration chamber.

Methods for repaying a loan for refinancing Mortgage in Gazprombank

Refinancing Mortgage in Sberbank in 2018 on a renewed and updated program. What has changed in this program in 2018? What are the requirements of the bank?

New Mortgage Refinancing Program in Sberbank: Step-by-step refinancing procedure in 2018

Today we will talk about renewed and updated program refinancing in Sberbank. You will learn what has changed in this program in 2018, the essential conditions and requirements of the bank, as well as by steps occurs refinancing mortgages in Sberbank.

Refinancing of mortgage - This is the design and receipt of a loan with a more profitable interest rate in order to repay a loan in a financial institution with higher percentages. In fact, it is a dedication that allows much easier and faster to repay the previously executed loan. It is worth understanding that refinancing can be beneficial if the difference between the instantaneous interest rates will be 2-3%.

In Russia, there are quite many banks to refinance the mortgage, including Sberbank, one of the popular and trusted banks of the country. If you manage to refinance in this institution, you can get serious benefit. Most importantly meet certain requirements and fulfill the conditions established by the Bank.

Refinancing Mortgage in Sberbank allows:

Combine a mortgage with other types of lending, including a credit card, one big loan and translate them all in Sberbank;
The debt burden on the family is reduced by reducing the monthly payment;
The convenience of servicing loans is increasing - everything is paid in Sberbank with a single payment in one date and for one account;
You can get another 1 million rubles for personal goals, repair, for example, under a mortgage rate, which is much more profitable than consumer loan;
Refinancing can be carried out without the consent of the primary lender and without intermediate support;
No need to submit a certificate about the balance of loan debt;
Make a deposit ready-made house with land;
It is permissible to change the currency, which allows you to translate the currency loan to the ruble.

Important! Refinancing the mortgage is desirable after the full return of personal income tax on the property deduction on the apartment and after you have made a return of percentage of mortgage. Otherwise, there may be problems with the tax. Especially if you not only refinance the mortgage, but also other loans or take the amount of personal goals.

What loans can refinance

At the moment, Sberbank provides an opportunity to consolidate in one loan not only a mortgage, but also other loans previously obtained in various financial institutions.

With the help of such a lending program, as "refinancing on the security of real estate" can be converted:

One mortgage loan;
Up to five other different loans. These include:

Consumer credit;
Credit card;
Car loan;
Map with overdraft.

Important! The presence of a mortgage loan here is a prerequisite.

Sberbank Provides the opportunity to hold refinancing of mortgage Both secured apartments and a country house with a plot, townhouse or room.

Conditions and requirements

This financial institution has special conditions for which removing mortgages in Sberbank. Only with a clear compliance with their observance can be relying on a profitable transfer of the loan.

Requirement for mortgage

Apartment or house must be built. If there is no evidence in the hands, then the refinancing of the mortgage is impossible. The bank does not pledge the right of claim.
Real estate, according to the refinancing mortgage, should be laid in another bank. After repaying the debt, an obligation arises at 2 months to arrange a deposit on this housing in favor of Sberbank.
If there is another housing without encumbrance, it can also be pledged to the bank and refinance the mortgage. This is especially true for those who have no object being commissioned and not built.

Requirements for loans

The absence of the current delay and overdue over the past 12 months (1 to 30 days is allowed or no more than 3 to 5 days);
Issued more than 6 months ago before the date of application submission;
Before the end of the loan remains more than three months;
If Sberbank's loan is refinanced, the feed must be in the same territorial bank where this loan was drawn up.

Requirement for the borrower

Russian citizenship;
Age 21 - 75 years at the end of the end;
Work experience - 6 months in the last place and at least a year over the past five years;
The second spouse necessarily comes with a coacher, unless otherwise spelled out in a marriage contract.

1% should be added to the rate:

For the period of closing mortgages in another bank before the mortgage registration;
Before confirming other refinanted loans;
In case of refusal of life and health insurance.

The minimum amount for refinancing in Sberbank is 500,000 rubles. The maximum amount depends on a number of parameters, but should not exceed 80% of the price of collateral:

5 million rubles for incidence of third-party mortgage;
1.5 million on quenching other loans and cards;
1 million for personal goals.

Refinancing mortgage is possible for up to 30 years.

Step-by-step refinancing procedure in 2018

Refinancing mortgage loan in Sberbank can be divided into two stages:

Approval of the application and pledge;
Credit issuance from Sberbank.

Both of these stages have certain nuances. Next, we will analyze them in more detail.

Approval of the application and pledge

Preparation of the primary package of documents for approval of the application.
Filing an application. Consideration will be 2-3 working days.
Preparation of documents on the property. The approval process will take no more than 5 business days.
Purpose of the date of the transaction.

Be sure to read.

Credit issuance and rate

The signing of the loan agreement and the issuance of the first tranche for the amount of mortgage in the third bank - the rate is 11.5%.
Changing mortgages in another bank and receiving a certificate of full repayment of debt - a rate of 10.5%.
Signing the mortgage agreement and the registration of pledge in favor of Sberbank - the rate of 9.5%.
Issuance of a second tranche for cleaning consumer credit / cards, etc. and receiving a certificate for Sberbank about the termination of obligations - a rate of 10%.
Issuing the next tranche for quenching the next loan and providing references on closing and so on until all of the declared loan is repaid - a rate of 10%.

The benefit of credit refinancing and the calculation example

Before conducting a refinancing or dedication process, it is worth making certain calculated manipulations to understand what cases will be favorable to carry out refinancing, which is not.

In our article "" We disassembled in detail all the pros and cons of this procedure. We recommend familiar with them before going to the bank.

Now on the numbers we will show the benefits of refinancing with a rather large credit burden.

For example, we take the situation when there is a mortgage in Rosselkhozbank with a debt balance of 2 million rubles under 13% per annum and payment 23431.51. Consumer credit with the balance of 80,000 and payment 2119.51. Credit card under 16% per annum and debt per 100,000 rubles and a mandatory payment of 5,000 rubles per month.

According to this example, a monthly payment for all obligations will be approximately 30,550 rubles. If you refinancing in Sberbank, it is 20 years after the design of the collateral and the loan harvesting and the payment card will be approximately 22724 rubles, which is almost 8,000 less.

It should be understood that overpayment will be approximately 3.27 million rubles. This is 400,000 more, if everything left, as it was before refinancing.
It should also be understood that the loan and the card will close no more than in 2-5 years, and if you are in charge of a mortgage, then you will have to pay for them for them all 20 years of mind at a slower rate.
When calculating the overall economic benefit from the refinancing, you will need to take into account all the necessary additional spending that may occur during the design. These are such spending as payment of services for the assessment of the collateral in disposal, as well as the state duty, which is paid after the removal of encumbrance and after the secondary registration of the collateral.
It will be necessary to renew the insurance contract for which some banks take 1% of the amount of the previously executed loan.
Recall that you lose the right to return interest and property deduction, and these are also tangible amounts if you have already taken advantage of the mortgage refinancing.

Possible refusal to shutdize

Despite the fact that financial institutions willingly go towards clients who seek to refinance as the method of luring customers, in some cases in this process may be denied. This is possible for the following reasons:

The reference process is impossible due to the presence of a negative credit history of a person or a previous criminal record.
Refinancing is not carried out and if a person just started paying a loan, here you have to wait a bit about six months.
Do not refinance in a situation if the borrower has decreased income or additional dependents appeared.
Change of work and insufficient experience.
In some cases, doubt causes a pledge. If he even completely satisfied the past lender, it is not a fact that Sberbank will arrange.

Summing up

Following the results, you can make several important conclusions:

Compeated lending helps solve quite a lot of different problems. Due to the increase in credit period, it is possible to significantly reduce the size of monthly boards.
The popularity of the reference process is also based on the fact that borrowers are given the opportunity to change not only the level of interest rate, but even currency.
For people who have a decrease in the level of material wealth, if a person has several loans at the time of renewal, this service is the best option.
Refinancing is carried out by many modern financial institutions, but it is Sberbank that offers the most profitable interest rates, as well as rather loyal conditions and maximum efficiency in the process of making a shift.

Question answer

Question: I have a mortgage in Sberbank, can I refinance the mortgage of Sberbank?

Answer:Refinancing in Sberbank only foreign credits, they do not refinance their mortgage.
But you can apply once a year to reduce interest rates in Sberbank.
Sberbank reduces the mortgage to its customers.

Question: What documents are needed during refinancing and will the certificate suitable in the form of the bank?

Answer: Depends on the bank. If he accepts references, then you can.

In unstable conditions of the economy, more and more young families face the inability to pay the payments on housing loans in a timely manner, one of theses can be refinancing mortgage in Sberbank in 2019.

Since housing loans are long-term, avoid mortgage risks is quite difficult and not all. In the process of payments, there is a possibility of an imbalance of income and expenses, which leads to a violation of the solvency of the borrower. Refinancing mortgage loans will solve this problem.

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Refinancing housing loans

Refinancing, or dedication is the repayment of an old loan by receiving a new loan on more favorable conditions under a smaller interest rate. Sberbank of Russia The last of the major players of the Russian financial market engaged in the widespread mortgage loans taken by other financial institutions.

Decision conditions

Removing mortgage in Sberbank has a number of features.

The minimum requested amount should be at least one million rubles, the maximum amount of no more than 7 million rubles. The size of the loan is calculated separately for each specific case and should not exceed a smaller value:

80 percent of the cost of property;
the outstanding amount of debt excluding the cost of the loan (interest in the amount of the loan is not included).

The interest rate during interaction begins from 10.9 percent per annum. In addition, the payment for the use of a loan increases by 1 percent:

until the initial loan repayment;
before the registration of the Mortgage Transaction;
if a client fails to insure their lives and health.

That is, with a combination of three positions, your bet will be 13.9 percent per annum.

Credit can be taken for up to 30 years.

IMPORTANT! Sberbank provides the ability to transfer housing loans to only other banks, to refinance the Sberbank mortgage.

Requirements for the borrower

For a positive decision of the Bank, the borrower's age should be in the range of 21 years to 75 years, and by the time of repayment of the latest payment, the client should be no more than 75 years.

To convert the mortgage in the last (present) place of work should be at least 6 months, the total experience in the last 5 years is at least 1 year.

As a customer, the client has the right to attract only legal spouse or spouse.

IMPORTANT! If in the documents for the initial loan the main (titular) concern is the spouse / spouse, then the loan reissue should be on this individual.

Required documents

Is it possible to minimize the time costs of renewal? Of course, if you prepare all the required documents in advance. After all, the brittle is based on the benefit due to the difference in percent. Therefore, the faster to collect and submit documents, the faster the bank will decide.

If you firmly decided to reissue a mortgage in Sberbank, first of all you need all the basic information on it:

the number and date of the conclusion of the loan agreement;
return period and amount;
currency and interest rate of the loan;
monthly payment;
payment details of the financial institution, in which the loan is taken.

Sample Help 2-NDFL

In addition, at the place of work, you need to take a certified copy of the workbook or other documents confirming labor employment, as well as a certificate of 2-NDFL. If you have discovered deposit, currency or other accounts in other banks will not be further requested by their statements indicating the amounts. Checks and receipts on repayment of the loan for the past period will also be useful.

IMPORTANT! Loose data must be confirmed by a loan agreement or payment schedule.

After granting a full package of documents within a week, a bank employee will contact you and report the result of consideration.

Since the main principle of Sberbank is customer-oriented, after visiting the branch, a message will come to leave a review about the company's work as a whole and an employee in particular.

Refinancing secured by real estate

In addition to refinancing mortgage loans, Sberbank provides an opportunity to combine all loans to one by refinancing on the security of real estate. Mortgage, car loan and consumer can become one loan, with a profitable interest rate and a single date of debiting a monthly payment.

The list of necessary documents and requirements for borrowers are similar to refinancing housing loans, but there are differences.

In this service, in addition to the mortgage loan and other loans, you can include cash for consumer needs.

The interest rate depends on whether loans are subject to refinancing:

if the mortgage and other Sberbank loans will be 11.15 percent per annum;
if mortgage and loans received in other financial institutions, the rate will be 11.65 percent.

A 1 percent surcharges are similar to the mortgage refinancing superstar.

IMPORTANT! If, along with the mortgage, you decided to refinance other loans, the right to return the property tax deduction is lost.

Nuances of refinancing in Sberbank

Since the decision to close one debt and at the same time take another loan is quite serious, it is necessary to carefully weigh all the advantages and disadvantages. It will help in this credit calculator from Sberbank. Having driven into the appropriate cell data on the interest rate, the period and sum of the loan, you can calculate the value of the monthly payment.

Modern Russia is implemented by the measures of social support for young families at the state level and the level of constituent entities of the Russian Federation. In addition to the maternal capital, outstanding for the birth of the second child, supporting young teachers, in a number of regions provide subsidies for the purchase of housing state employees.

The refinancing of the mortgage loan in Sberbank may be decorated taking into account all benefits. The resulting amount is not issued in hand, and immediately listed in the initial financial institution to repay the debt.

Another important point is the possibility of early repayment of the loan without any additional commissions. To do this, come to the bank branch and write a statement about early repayment.

"Underwater stones" refinancing

In addition to the undeniable advantages in the form of lower loan cost, refinancing carries additional financial and time costs.

In essence, refinancing is also lending. Therefore, before making a decision, Sberbank re-evaluates the customer's solvency and collateral. The costs associated with the assessment of the collateral will be treated for additional costs of the borrower - the appraiser services are about 4 thousand rubles.

In addition, the burden of life insurance and health falls on the borrower, the rate increases by one percentage point.

At the same time, even with the difference in percentage, the benefit of interaction will not be in each loan. In 2019, it is worth thinking about the refinancing of the mortgage in Sberbank, if you took a loan at least two years ago, when the rates were maximal. In 2015, the weighted average rate was 14.4 percent per annum, and in 2016 - 12.6 percent.

An important thing is the moment of refinancing the mortgage. Sberbank is interested in climbing in any case, it is interesting to the customer only at the initial stage. The payment schedule is designed in such a way that the bulk of interest is paid in the first half of the term. Therefore, to refinance housing loans in the second half of the term and pay again interest, no sense.

Output

The advantages of Sberbank in terms of transferring mortgages can be attributed:

the minimum interest rate from 10.9 percent, with all the allowances less than 14 percent per year. VTB proposes to refinance mortgage loans at a rate of 11.25 percent per annum;
long lending period;
wide age-related range;
if there are guarantors, the mortgage is not necessary;
partially repay early by any sums;
perhaps complete early repayment without commissions;
free design and issuance of the loan.

The decision-making for the period not more than 6 days is distinguished by Sberbank from other banks, where the consideration of applications takes two weeks.

The following points include disadvantages:

expensive penalty for delay - calculated by unpaid amount of charge with 20 percent per annum;
in some cases, when not designing life and health insurance from the bank comes a refusal.

In addition, you should not forget about fines and penalties for an overdue monthly payment. In banks, untimely repayment of loans costs literally expensive. Therefore, if financial difficulties have arisen, mortgage payments lay the unbearable burden on the budget of a young family, but there is a desire to keep housing, it is worth thinking about refinancing.