VTB24 mortgage refinancing rate. Mortgage refinancing at VTB24 bank: full terms of the program. Calculation of benefit from on-lending

VTB 24 mortgage refinancing

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Today, VTB 24 is one of the five largest banks in Russia, which play a leading role in the mortgage lending market. Mortgage refinancing at VTB 24 provides an opportunity to pay off old debts by taking a new loan on new, more attractive terms for the borrower.

It should be noted that in just three years the average rate on mortgage loans in our country has decreased by about 2.7% per annum. Such a significant reduction in the cost of long-term loans provided for the purchase of real estate opened up tempting prospects for debtors on on-lending, which reduces the overall financial burden on family budgets.

Advantages of mortgage refinancing in VTB 24

the possibility of consolidating up to 6 credit lines with the simultaneous repayment of all debts in one payment;
work with communicative trained specialists who are ready to solve important issues and provide advice over the phone and via e-mail;
loyal credit line regulations that allow you to sell mortgage apartment on the basis of transactions using deposit cells;
high chance of increasing appraised value real estate after revaluation by VTB 24 experts. As a result, a larger amount was received than the balance of the debt;
the possibility of changing the object of collateral from an apartment to a car;
the prospect of switching from a foreign currency mortgage to a ruble loan

Borrowers who transferred their mortgage loan from other banks to VTB 24 in 2019 claim that in this institution all key issues are resolved much faster than in the same Sberbank, where any decisions are made only in personal meetings. This bank does not charge a fee for granting a loan and opening an account. It is possible to sign up for a free preliminary consultation through the official website of the company.

On-lending conditions

when issuing a new loan, the interest rate is from 9.7% to 14% per annum;
a loan to pay off the current mortgage is issued for up to 50 years. Such a condition can act as a unique competitive advantage, since only VTB 24 issues a mortgage loan for this period;
the maximum loan amount is 30 million rubles;
obligatory monitoring of financial and financial situation potential borrower

What a Borrower Needs to Know

Any profitable refinancing is possible only if there are no debts to service the current loan.
Preference is given to citizens with a good credit history who make all payments on the credit line in a timely manner. Before you start collecting all the documents for a new loan, it is strongly recommended to check your credit history yourself through existing services.
If the mortgage is received for 20 years, refinancing is interesting only in the first 3-4 years, during which bank interest is paid.
The best conditions for on-lending are received by the owners salary cards VTB 24. The presence of such a card allows you to reduce the annual interest rate by 0.5-1%.
In this bank, you can increase your credit by revaluing the mortgaged property, obtaining a loan of up to 80% of the new appraisal value.
The bank may refuse to issue a loan to repay current loans after collecting all required documents and holding peer review apartments or houses.
The maximum package of documents increases the size of the new loan and reduces the interest on the loan.
Insurance with bank partners allows you to reduce credit rate by 1%.

Refinancing in VTB 24 is provided only after confirmation monthly income to serve the new credit line. At the same time, deductions should not exceed half of the salary or other official income of the borrower.

Mortgage refinancing at VTB 24 allows people to get a lower interest rate on a loan and pay off their previous debts, and then repay a loan only at VTB 24 on more favorable terms.

VTB 24 - mortgage refinancing

This service has been provided by VTB 24 Bank for several years already, and customers note its expediency and availability. Refinancing is Bank operation, allowing the borrower to receive money to pay off their debts and reduce the interest rate with an increase in the term of payments on a new loan. You can refinance a mortgage, regardless of where it came from - in VTB 24 or in other banks.

A mortgage is a loan for housing, and in the event of a difficult financial situation, you should not postpone going to the bank so as not to subsequently lose the acquired property. Refinancing your mortgage will avoid such troubles and will not spoil your credit history.

Re-crediting is not as scary as most people think at the very beginning. In fact, such a service only makes life easier for the borrower, as the interest on the loan becomes lower, and the repayment period and regularity of payments can be set in a new way.

Mortgage refinancing terms

VTB 24 is refinancing mortgage loan under certain conditions, and the borrower should familiarize themselves with them in advance:

The currency of the refinanced loan is rubles;
The annual interest rate is stable for the entire term and is equal to 9,7% ;
The amount of the new loan cannot exceed 80% of the cost of mortgage housing;
Loan amount cannot exceed 30 million rubles.;
The duration of payments should not exceed 30 years, and in the case of applying for 2 documents for a loan - no more than 20 years;
Insurance is a prerequisite for refinancing a mortgage (you can choose a new insurance company or conclude new treaty from the old one);
Refinancing is free of charge;
The bank does not charge a fee for early repayment loan.

The conditions for each client of VTB 24 may vary slightly, as the bank always tries to help its depositors, and is interested in issuing a loan to solvent customers on favorable terms.

Therefore, you should find out in advance all the details of this service at the bank, or go to the official website of VTB 24, open the calculator and calculate the new loan amount, taking into account the amount taken to repay the loans and the expected payment period at the new interest rate.

Calculator

Requirements for the borrower

VTB 24 always reserves the right to refuse a client a loan and refinancing.

The bank is not obliged to explain the reasons. But there are a number of conditions that the borrower must meet, and if they are not met, then the probability of refusal reaches almost 100%.

To those VTB terms 24 refers:

The age of the client at the time of refinancing is not less than 21 years old, and at the time of loan repayment not older than 60 years for women and 65 years for men.
Mandatory citizenship in the territory Russian Federation, but not necessarily in the region of the event refinancing of VTB 24.
The total work experience must be at least 1 year, and the borrower must work at the last workplace for at least six months.
Providing documents on official employment to confirm the solvency of the client.

Plays an important role credit history - if the borrower did not regularly make payments on the current mortgage, owed money in other banks, then VTB 24 would rather refuse such a person, since he does not inspire confidence in his honesty and ability to repay the loan.

Not a single bank wants to lose its money, and therefore the client's task is to fully convince VTB 24 of its responsibility and desire to repay the loan as soon as possible in accordance with the established requirements.

If circumstances arise for refinancing that are beyond the control of a person (illness, death of a loved one, layoffs), then it is better to document such data to show that the impossibility of payments was not your fault, and you want to pay the amount in full, just ask for less harsh conditions.

Required package of documents

Before applying for mortgage refinancing at VTB, 24 people must collect and provide the following list of documents:

If the borrower is a payroll client at VTB 24 and took a mortgage from the same bank, then some documents may not be needed because the bank already has it. Therefore, it is worthwhile to come to the bank yourself and find out what papers should be conveyed to apply.

Design rules

To apply for mortgage refinancing at VTB, 24 people must submit an application. You can do this in two ways:

Online application on the official website of VTB 24.
Personal appeal to any branch of the bank.

The bank will review your application and give an answer within 4-5 business days. If VTB 24 decides to provide you with a loan, then a bank employee will contact you and ask you to come to the bank to sign the contract and complete the paperwork.

You need to enter in the form:

Personal data

Job Information

At this stage, an agreement is also concluded with the insurance company. The borrower should take into account that the wider the insurance policy, the lower the interest rate. If he decides to take out insurance for only one item (life and health insurance, property accident insurance, job loss insurance), then the rate will increase by 1%. The choice of insurance company remains with the client, but VTB 24 often recommends its cooperating companies.

Pros and cons of refinancing

Mortgage refinancing in VTB 24 of its clients is widespread among Russian citizens. This is due to favorable conditions. this loan There are very few downsides to refinancing, but they are worth paying attention to.

Advantages	Flaws
Extending the payout period	Limit on sum of money a loan of 30 million rubles.
Decrease interest rate	Age restrictions (for the older generation, the payment period may be significantly reduced, which will lead to an increase in the monthly payment)
Combining multiple loans into one	The service is practically unavailable for foreigners temporarily residing in Russia
Insurance company protection	The Bank reserves the right to refuse refinancing without explanation
Undamaged credit history	Refinancing is carried out only in rubles
Lower monthly payments
Stable interest rate that does not depend on the exchange rate

The disadvantages of refinancing are insignificant compared to the benefits that this service brings to VTB 24 clients. On-lending allows citizens of the country to reduce the financial burden on their families and keep the purchased housing without increasing the amount of payments.

Video

Refinancing mortgages of other banks: when is it profitable

Mortgage refinancing (refinancing) programs are now available in many banks, and this is not surprising. The demand for this service is growing day by day and will continue to increase in the future as interest rates on home loans are now on a downward trend. And the lower the rate, the more borrowers who previously scored mortgage loans under high interest want to seize the moment and refinance their loans on better terms.

Refinancing mortgages from other banks in VTB 24 allows individuals to receive a lower interest rate on a loan and, having paid off their old shares, repay a loan only in VTB 24 on more favorable terms.

In a word, having received a loan to refinance a mortgage at VTB 24, today you can solve several problems at once.

√ reduce the interest rate of the current home loan;
√ change other conditions of mortgage lending, for example, the term of the loan;
√ reduce monthly payment to reduce the burden on family budget;
√ Receive additional funds for personal needs.

Conditions for refinancing mortgages at VTB 24 in 2019

Today, VTB 24 issues loans for refinancing the mortgages of other banks only in Russian rubles.

☑ Sum. In different cities of the country is different from each other. In particular:

- up to 30.0 million rubles can be received by residents of Moscow and the Moscow region, as well as St. Petersburg and the Leningrad region.
- up to 15 million rubles - borrowers from the cities of Vladivostok, Yekaterinburg, Kazan, Krasnoyarsk, Novosibirsk, Rostov-on-Don, Sochi, Tyumen. And we mean specific cities, not regions.
- up to 10 million rubles - residents of all other regions of Russia.

Another important condition: the loan amount can be no more than 80 percent of the value of the mortgaged property (when considering an application for a loan based on 2 documents - no more than 50 percent).

☑ Term. Mortgage refinancing loans at VTB 24 are now issued for up to 30 years if the borrower has provided a full package of documents, and when considering an application for a loan on 2 documents - up to 20 years.

Mortgage refinancing is issued without commissions for loan processing, and early repayment of the loan is made without restrictions and fines.

Interest rate for mortgage refinancing at VTB 24 in 2019

In that year VTB changed mortgage rates several times. Today it is possible to carry out on-lending under a relatively low interest. The minimum bid is now:

From 10.1% per annum in rubles.

But, as usual, favorable rate may not be available to all clients. The rate will be reduced if you:

√ receive a salary on the VTB card;
√ Educational or healthcare worker, law enforcement or tax authorities, customs, federal and municipal authorities (program "People of business").

And when applying for a loan under 2 documents (the “Victory over Formalities” program), the rate increases.

If, to separate the wheat from the chaff, it turns out that the interest rate of the loan for refinancing the mortgage at VTB today is:

> from 10.5% for individuals;
> from 10.2% for payroll card holders;
> from 10.2% for clients under the People of Action program (doctor, teacher, government employee);
> from 10.1% for clients under the People of Action program who are at the same time payroll clients;
> from 11.0% per annum without proof of income (Program "Victory over Formalities").

Don't forget about insurance costs too! The rate on a mortgage loan is indicated subject to full (comprehensive) risk insurance.

Mortgage insurance

When receiving a loan to refinance a mortgage at VTB 24, the client will be offered to insure several risks:

- loss of life and disability of the borrower (guarantor);
- loss or damage to the purchased apartment;
- Termination or restriction of ownership (within the first 3 years after the purchase of an apartment on credit) for an apartment.

To get the above rates, you will have to insure comprehensively. In case of registration insurance policy only for the risk of loss or damage to the purchased apartment, we recall, the interest rate increases by 1% per annum.

VTB 24 mortgage refinancing calculator in 2019

How to refinance a mortgage loan at VTB 24: instructions

If you decide to refinance your mortgage at VTB 24, then:

1. Leave a request for a detailed consultation on the official website of the bank. A bank employee will contact you, consult and make an appointment at a convenient time for you.
2. Submit the loan documents along with the documents for the original loan and the purchased property to one of the mortgage centers jar.
3. Wait for the decision of the bank (4 - 5 working days).
4. Contact a bank branch to apply for a loan.

Who today can take a loan to refinance a mortgage at VTB 24

Almost anyone can apply for a loan to refinance a mortgage from another bank at VTB 24. Even the presence permanent registration in the region where the client applies for a loan, optional.

When considering the application, VTB specialists will consider various forms confirmation of income (certificates in the form of 2-NDFL and in the form of a bank). It is possible to record income at the main place of work and part-time, but not more than two.

An important condition is the absence of delays and debts on the refinanced loan. If the financial discipline of the client suffers, then it is unlikely that VTB 24 will be able to refinance.

Documents for mortgage refinancing in VTB 24

To apply for a mortgage loan, you must collect and submit the following documents to the bank:

> Application form;
> Passport of a citizen of the Russian Federation;
> insurance certificate state pension insurance(SNILS);
> Certificate of income individual(2-NDFL or bank statement) / tax return for the last 12 months (holders of VTB 24 salary cards do not need these documents);
> A copy of the work book certified by the employer or a certificate / extract from the work;
> Military ID (for men under 27).

In addition, a certificate on the refinanced loan must be provided, containing:

- Information on the balance of the loan debt and the absence of overdue debt (on principal and interest) as of the date of issuance of the certificate;
- Information about the quality of repayment of the refinanced loan for the entire period of its repayment.

When considering the application, the bank may ask to provide additional documents. Therefore, before collecting all these certificates, you should consult with the mortgage managers of VTB Bank.

How to repay a loan to refinance a VTB 24 mortgage

The loan is paid monthly. The payment consists of interest on the loan and part of the principal. The amount of payment and the date of repayment are indicated in the payment schedule. Upon receipt of a loan, the client will open an account (card), from which the payment will be automatically debited. It will be enough for the client to put the required amount on the card (account) before the date of the next payment.

Along with lower interest rates Russian banks develop special programs on-lending, allowing you to change the current conditions for loans to more favorable ones. Among them is VTB, where mortgage refinancing of other banks in 2019 takes place on the most loyal terms.

is an opportunity for every borrower to get new loan to repay a previous loan on more favorable terms. Key Goal similar programs- reduce overpayments and make it easier for the borrower to repay the loan, this is achieved by reducing annual percentage. In VTB, the interest rate is from 10.1%, it is adopted exclusively for mortgage refinancing programs and is one of the lowest.

Depending on the current situation, the borrower himself decides according to which scheme the bank will carry out on-lending. The following options are possible:

maintaining the loan amount and loan terms with a decrease in the monthly fee - this reduces the monthly burden on the family budget;
maintaining the monthly fee with a reduction in the loan term - thanks to such a scheme, it will be possible to pay off the mortgage faster, while simultaneously reducing the amount of the overpayment.

stable financial position in the market, the reputation of a reliable bank with state support and really favorable refinancing conditions make VTB Bank one of the most obvious candidates for on-lending schemes. Of no small importance is the extensive and well-developed network of operational offices, represented in each Russian region.
To visually calculate the benefits of refinancing, use the calculator.

Mortgage Calculator

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Calculation results:

Monthly payment:

The amount of payments to the bank for the entire period, including interest:

Overpayment amount:

What does the bank offer

Both current VTB clients and clients of other credit institutions can take advantage of the bank's profitable refinancing programs. The proposals apply to the issuance of new loans to repay existing loans received for the purchase of housing in a new building on the secondary market.

Borrowers with outstanding mortgages can also participate in the refinancing program, credit card, a car loan previously issued by VTB. If the client at the same time participates in the "Collection" program, then he will be provided with additional bonuses.

More about loan programs

The most important advantage of the bank's programs is that almost anyone can refinance a mortgage at VTB. Credit organisation has developed the most loyal conditions for issuing loans, removing all barriers and making housing loans really affordable. See for yourself:

customers who do not have permanent registration in the region where the operating office is located can apply for refinancing;
bank employees take into account all possible options confirmation of income, not only standard 2NDFL certificates, but also certificates filled out in the form of a credit institution;
to increase the chances of receiving a positive response, it is allowed to indicate both the main place of work and up to 2 options where the client works part-time.

Loan conditions

The loan currency is the Russian ruble.
Interest rate - from 10.1%, fixed for the entire period of the loan agreement.
Loan amount - up to 90% of the estimated / actual cost object.
Repayment period - up to 30 years (for on-lending programs based on two documents - up to 20 years).
The maximum possible amount to be issued is up to 30 million rubles (depending on the region, the amount may vary, so this nuance should be clarified with bank representatives separately).
commissions or other additional payments for the issuance of a loan are absent.

Documents required for refinancing a mortgage at VTB:

Questionnaire filled out according to the requirements of the bank.
Identity card (passport of the Russian Federation).
SNILS.
Certificate confirming income: 2NDFL, tax return for individual entrepreneurs, certificate in the form of a bank (participants salary projects VTB does not need to provide these documents).
A copy of the work book with the mark of the employer, or an extract from the work book.
Documents on current loans (certificate of the remaining repayment amount, certificate of no delays and an extract on the quality of making monthly payments).
Men additionally need to provide a military ID.

To participate in mortgage refinancing, you must:

Fill out an application on the website or at the nearest operational office of the bank.
Present the required package of papers (data on real estate and current loans).
Wait for a bank decision (studying the borrower's questionnaire takes up to 5 days).
After receiving a positive response, contact the operating office and draw up a new loan agreement.

Advantages

Combining up to 6 loans into one.
Reducing the terms of crediting or monthly payment.
Getting more free funds for any purpose.
Loyal requirements to borrowers.
Possibility to repay the debt ahead of schedule without fear of penalties.

Mortgage credit lending – promising direction for all major financial institutions. However, this type of housing acquisition is costly for citizens who have taken a loan. VTB 24 mortgage refinancing allows clients to receive softer terms and legal deferment in 2018. Such a procedure is not available to everyone; only some borrowers have the right to revise a mortgage loan.

What is refinancing

Most often, debt repayment difficulties are faced by customers who took a loan in dollar equivalent. Of course, due to the sharp fall of the ruble, borrowers have significant problems. Today the situation has not changed much.

Residents who have taken a mortgage in rubles also face problems with payments. The circumstances that burden the family budget may be different. This leads to difficulty in debt repayment and implementation monthly payments. The mortgage refinancing procedure was developed specifically for such cases.

It is worth knowing that not only banks are ready to meet the needs of the client. The state has developed several programs, the purpose of which is to provide financial support to citizens experiencing difficulties in this area. The distribution of assistance is carried out only on the clients of some banks. Refinancing a mortgage with the help of the state will allow the client to receive a subsidy of up to 320 thousand rubles. However, the procedure has significant differences from a similar procedure offered by banks.

Reviewing a mortgage loan in favor of a client is a normal operation that financial institutions are constantly faced with. For the bank, the main thing is to receive income from the services provided. Thus, the key sector of profitability is mortgages. This is a loan for long term secured by property. For the VTB 24 organization, it is more profitable to refinance the mortgage and somewhat ease the financial burden on the client than to select real estate and put it up for sale again.

Refinancing a mortgage with another bank

The very understanding of refinancing can be described as a loan issued to pay off old debts. But at the same time, the client does not receive funds: they automatically perform partial repayment of the debt. VTB 24 mortgage refinancing will change:

interest rate in favor of lowering it;
currency;
validity period upwards;
lower monthly payment
payment type.

Also, performing a similar procedure, the borrower has the opportunity to combine several loans into one. This will make it possible to lower the interest rate on some of them, so that experts recognize the tool as quite convenient. illustrative example looks like this: the client has a mortgage debt, a consumer plan loan, and trade credit. After they are combined, balances on other loans will be added to the amount of mortgage debt, but the interest rate will remain at the level of a mortgage loan.

VTB 24 mortgage refinancing can be performed with debts in other financial institutions. Similar Services will be fulfilled big banks in Russia. This opportunity is the only way out for many debtors, since not all categories of citizens can meet the requirements put forward by state programs.

Thus, refinancing is the receipt of additional funds from the bank to pay off existing debts, after which they are combined into one debt, but without an increase (and possibly a decrease) in the interest rate.

On-lending to VTB 24 in 2018

Despite all the advantages of this procedure, it is worth noting that to achieve a revision credit debt It's hard enough. The requirements are strict, and not every debtor will be able to meet them. Mortgage refinancing at VTB 24 in 2018 is slightly different from a similar operation last year and before.

Debt Review Program is available for loans that have been secured real estate. It could be a mortgage in a new building, consumer loans on large sums and other loans, where the guarantor is the property of the client.

Real estate appraisal is carried out less strictly than with the original loan, especially if it was also taken from this financial institution. Borrowers are subject to more stringent requirements than collateral. Mortgage refinancing is carried out under the following conditions:

The client has no overdue payments on loans that he has.
Employment must be permanent. The last (current) workplace is assigned to the client for at least six months. General seniority from one year.
The borrower's income must be unchanged (or greater) than the income at the time of the mortgage loan.
Age limit. A citizen must be no more than 60 years old at the time of refinancing the mortgage.
Registration of a permanent type on the territory of the Russian Federation.

It is worth remembering that clients who receive a salary in this institution can obtain permission to refinance a mortgage at VTB 24 on more lenient terms. The same applies to bank employees.

That's what it looks like standard set requirements for the borrower to complete the mortgage debt review procedure in 2018. In most cases, the bank resolves the issue on an individual basis, however, even if there is one overdue payment, employees will give a negative answer to the request for this operation. For more information about this issue, please contact the bank branch.

List of required documents

When submitting documentation for on-lending, the list will be somewhat smaller compared to applying for a mortgage loan. You will need the following:

Write an application form;
Make a copy of the passport (required all pages);
Provide a work book (copy), which must be certified at the place of work of the client;
Provide a document (copy) confirming the owner's rights to the object acting as collateral.

This is what the standard set of required documents looks like in 2018. The Bank reserves the right to require additional papers/certificates.

Conclusion

VTB 24 mortgage refinancing can be performed on various conditions in 2018. The new loan that is issued to the client will be determined depending on many factors. The implementation of this operation will greatly help relieve the financial stress of the borrower, however, not everyone will be able to obtain permission from the bank for on-lending.