VTB 24 mortgage refinancing x fin. Online mortgage refinancing calculator VTB

VTB's range of credit products includes several debt refinancing programs. The transaction parameters are distinguished by reduced interest rates, a convenient registration scheme and favorable repayment terms. The bank refinances different types of loans - from credit cards to mortgages.

Loan refinancing at VTB: current offers

Refinancing is obtaining a loan to pay off current obligations to another creditor. Different categories of cash loans are subject to refinancing.

VTB offers profitable refinancing programs. Current offers:

universal refinancing;
targeted on-lending – mortgage.

The first program applies to secured and unsecured loans: consumer loans, mortgages, credit cards and car loans. A guarantor is not needed.

Important! The main requirement for on-lending is that the primary loan was not obtained from the VTB financial group.

Additional conditions for universal refinancing from VTB:

the term of the loan agreement expires no earlier than in 3 months;
“clean” credit history for the last six months;
no late payments or unpaid fines;
The loan was issued in rubles; on-lending of foreign currency loans is not provided.

Targeted mortgage refinancing is provided exclusively against mortgage real estate. Advantages of the program: maximum amount and term at a minimum rate - from 8.8%.

VTB: consumer loan refinancing

The decision to refinance a loan should be based on expected benefits. First you need to evaluate the parameters, calculate a new loan, and find out the procedure for applying.

Standard and promotional refinancing conditions

VTB is ready to refinance the current debt on the following terms:

amount – 100 thousand rubles. – 5 million rubles;
repayment period: corporate, salary clients – 7 years, other borrowers – 5 years;
no guarantee or collateral is required;
the percentage depends on the size of the loan: up to 500 thousand rubles. – 12.9-16.9%, above this amount – 12.5%.

Attention! One secondary loan covers up to six loans. Debts can be either to one bank or to different financial organizations.

Until May 31, 2018, VTB has a promotional offer for refinancing - “Family Values”. Newlyweds have the right to qualify for a rate reduction to 7.5% after 3 years of lending. Requirements for participants:

Marriage registration period – up to 1 year at the time of approval of on-lending;
be married – at least 3 years after receiving the money;
absence of arrears and debt restructuring.

Requirements and documents

Individuals - citizens of the Russian Federation with registration in the region where the VTB office is located - can apply for on-lending to VTB. Documents required for consideration:

passport;
SNILS – certificate of state pension insurance;
documentation of debts that need to be refinanced;
confirmation of income for six months - 2-NDFL.

Proof of solvency can be a certificate from the bank. The document must display: the recipient’s full name, duration of work, position, name and address of the company, salary by month. The certificate is endorsed by an accountant and manager.

Important! VTB salary clients do not submit documents about their financial status. For loans over 500 thousand rubles, official employment is required.

Calculation of benefits from refinancing

You can pre-calculate the parameters of a future loan on the official VTB website. In the “Individuals” / “Loans” / “Refinancing” section there is a calculator for selecting conditions (link). Calculation procedure:

Mark your status. Employees of corporate clients and participants in VTB salary projects check the appropriate box. The listed categories may qualify for a lower refinancing rate.
In the online form, indicate payments and total debt on loans from other banks.
If you need to receive money in excess of current obligations, check the appropriate box.
Click "Calculate".

Calculation from on-lending

The result is displayed on the right side of the screen. Initially, the bank offers a reduced payment. Parameters can be adjusted using the “-”/“+” signs.

Important! The installment on the new loan should not be higher than the total payments on the primary debts.

According to the entered data, the program offers a possible amount of additional money. In this case, the loan term increases significantly.

Loan calculator result

How to refinance at VTB: procedure for obtaining a loan

You can submit an application to VTB for refinancing a consumer loan online. The button to go to the survey is located in the “Refinancing” section.

The application displays all the necessary information about the borrower:

personal data;
employment information;
document details;
address, marital status;
information about loans.

The general procedure for on-lending at VTB 24:

Fill out and submit the online form.
Receive SMS with pre-approval.
Prepare documents and take them to the office indicated in the application.
After 1-3 days, receive a final decision - notification via SMS.
Sign the agreement, make a transfer of money to repay the refinanced debts.

Repaying a consumer loan

The total amount of debt with interest is divided into equal payments - the annuity method of repayment. The following options are available for loan payment:

Through VTB services: deposit through a bank cash desk, payment terminal. An alternative way is to set up automatic payment in Internet banking – VTB-Online.
Transfer from any card – the period for crediting funds is up to 3 days.
To the Russian Post office, Zolotaya Korona operating points.

To repay the loan early, you need to submit an application to the bank or through an online service, select the option to adjust the schedule and deposit money into your account. There is no fee for repaying the debt early.

VTB borrowers under the Refinancing program can take advantage of additional opportunities:

Preferential payment. Reduction of the three first installments - the client pays only the interest part of the debt, the body of the loan is distributed over the rest of the term.
Credit holidays. Missing one payment every six months. The service is available after 6 months of repayment, the cost of activating the option is 2000 rubles.

VTB24: mortgage refinancing

Mortgage refinancing parameters at VTB:

loan cost – from 8.8% per annum, the rate is fixed for the entire period of the agreement;
maximum amount – 30 million rubles;
restrictions on the loan size - up to 80% of the price of the collateral - loan real estate.

Persons officially employed in the Russian Federation will be able to refinance their mortgage. VTB does not impose strict requirements for registration or citizenship. Important: applicants with a poor financial reputation receive a 100% refusal.

The bank takes a more scrupulous approach to assessing solvency. An extract from 2-NDFL, a certificate in the form of a creditor, is considered as proof of income. To increase the chances of refinancing a mortgage, it is permissible to attract co-borrowers. Pensioners cannot refinance with VTB.

Mortgage refinancing is possible without confirmation of financial solvency under the “Victory over formalities” program. Rate – from 10%, down payment – from 30-40%.

Mortgage refinancing procedure:

Preliminary calculation, online application.
Meeting with a bank employee at the Mortgage Center to agree on conditions.
Submission of documents.
Receiving the result – making a decision takes up to 5 days.
Complete the transaction at the branch.

Loan repayment in any convenient way: cash desk, Internet bank, money transfer, through Russian Post.

When refinancing at VTB is necessary: advantages of the deal

Recrediting is relevant in the following situations:

Changing market conditions. There has been a trend towards lower rates in the lending sector. For borrowers who took out a loan a couple of years ago, it is more profitable to refinance with VTB at a lower interest rate.
Difficulty of repayment. Having a lot of debt in different banks often leads to delays - the client does not have time to make one payment before another payment is due. VTB refinancing allows you to combine contributions.
Financial difficulties. Refinancing helps ease the payment burden. Reducing the monthly payment is a strong argument for re-issuing a loan under new conditions.

Additional advantages of working with the bank:

the possibility of preliminary approval of the application via the Internet;
payment benefits - credit holidays in force majeure situations will protect you from delays;
convenience of repayment - there are many offices and self-service payment services located in Moscow and the regions.

Today, the interest rate on mortgages at Sberbank is 7.4% for new buildings, 8.6% for secondary housing and 8.9% when using maternity capital. You can refinance a loan for the purchase of real estate at VTB 24 at 9.45%. However, back in 2016, the minimum interest rate on mortgages at Sberbank was 12.5%. For borrowers who took out a loan in 2016 and earlier, the benefit is obvious.

Refinancing a Sberbank mortgage at VTB24

Refinancing a loan is beneficial both for the bank itself, which receives a new client, and with it a profit, and for the borrower who finds himself in a difficult financial situation. Refinancing a Sberbank loan provides the consumer with the following benefits:

reduction in monthly payments due to a downward change in the interest rate;

increasing the loan term;

changing the payment schedule;

conversion of foreign currency loans into rubles.

Refinancing is possible for loans issued for the purchase of housing from the primary and secondary markets. Refinancing can be applied for not only by those individuals who find themselves in a difficult financial situation, but by any Sberbank borrower who wants to reduce the interest rate if his candidacy meets the requirements of the financial structure providing this service (in this case, VTB 24 Bank).

Consolidation of several credit products is allowed, one of which is a mortgage. Such refinancing combines consumer, card and mortgage agreements into one, which eliminates confusion and facilitates the procedure for repaying debt obligations, and also provides a very favorable interest rate. For example, if a mortgage is usually not far off in interest rates, then consumer loans could be issued at 20 or even more percent per annum. Refinancing combined with a mortgage can reduce the rate by almost half.

In 2017, the situation changed; today the minimum interest rate for a card loan in Sberbank is 12.5%, which influenced the refinancing procedure at VTB 24 to make the service more popular. Refinancing a credit card at VTB 24 is carried out under the following conditions:

loan term - from 6 months. up to 5 years;

interest rate for a loan up to 600 thousand rubles - 14-17%;

interest rate for amounts over 600 thousand rubles - 13.5%;

Up to 6 different debt obligations can be combined into one agreement;

the client is given the opportunity to receive an additional amount, which he spends at his own discretion.

From the information above, it becomes clear that refinancing card loans from Sberbank at VTB 24 today is only beneficial for those clients who took on a debt obligation before 2017.

Refinancing a VTB mortgage at Sberbank

Refinancing a VTB 24 mortgage cannot be arranged at the same bank. VTB 24 offers refinancing of loans only from third-party financial institutions. If the borrower took out a mortgage or consumer loan at VTB 24, for refinancing he must contact another bank, for example, Sberbank.

Today, VTB 24 still has a reduced interest rate on mortgages, which is 9.45%. The promotion is due to end on December 30, 2017. The base rate is 9.7%, so the real benefit is seen from refinancing only that mortgage at Sberbank if it was taken out at VTB 24 before 2017, when the interest rate was 13.5% and higher.

Fixed interest rate - from 9.7% for the entire loan period.
The term of the mortgage loan is up to 20 years if you provide only two documents (passport and SNILS) and up to 30 years for the entire list of papers.
The mortgage is issued in rubles, the loan size depends on the place of residence. For Moscow and the Moscow region, St. Petersburg and the Leningrad region. - up to 30,000,000 rubles. For Tyumen, Yekaterinburg, Novosibirsk, Vladivostok, Rostov-on-Don, Krasnoyarsk, Kazan and Sochi - 15,000,000 rubles. For Chelyabinsk, Ufa, Kirov, Perm, Orenburg, Cherepovets, Kaluga and other regions - 10,000,000 rubles.
Possibility of refinancing a mortgage secured by real estate, the loan amount will be no more than 80% of its value. If re-registration of a mortgage is considered based on only two documents, then no more than 50%.
At VTB 24, for refinancing mortgages from other banks, the commission is 0 rubles.
The ability to repay your mortgage debt early without penalties or other restrictions.

Documents required to be submitted to VTB for mortgage refinancing

client statement in questionnaire format;
Russian passport;
SNILS;
income certificate in the form of a bank or 2-NDFL. Plus a tax return for the last year. Note that at VTB 24 refinancing the mortgages of its clients is easier. In this case, no certificates from borrowers are required;
a photocopy of the work record book with the employer’s signature or an extract from it;
military ID for men under 27 years of age.

In addition to these papers, a certificate of the mortgage being renewed is required. It should contain:

information about the balance of the debt and the absence of arrears on the main loan and interest at the time of issue of this certificate;
information about how the mortgage was repaid at the previous bank.

The procedure for refinancing mortgage debt at VTB 24

Download the “Application Form” document on the bank’s official website in pdf format or leave an online application. To refinance your mortgage at VTB 24, use the calculator:

An example of calculating a mortgage at VTB 24

When considering the application, the bank may request additional documents. The exact conditions, the immediate process of applying for a loan and a complete list of necessary documents for mortgage refinancing can be viewed on the official website of VTB 24: https://www.vtb24.ru/mortgage/refinancing/

On the website you can contact the bank manager for a preliminary consultation and leave an online application for a mortgage loan. Within 3 hours after sending the questionnaire, a bank employee will contact you. If the bank approves your loan, then within 5 days you need to visit any VTB24 branch to finalize the mortgage.

Important!

The opportunity to refinance is not available to every Russian citizen. If a borrower receives a salary on a bank card, then in 2017 the interest rate for refinancing a mortgage at VTB 24 will be reduced to 9.7%. Otherwise - 10.70%. And the rate increases by 1 point if the client does not want to join the single insurance program.

Today, home loans are very popular. They allow you to acquire your own real estate without waiting for the moment when you can save money. Sometimes a loan may be too much for a client, and therefore banks develop special on-lending programs. For example, VTB 24 offers mortgage refinancing on very favorable terms. Recalculation of the loan taking into account the decades of validity of such an agreement clearly shows that refinancing helps to save a lot of money.

Mortgage refinancing at VTB 24

Traditionally, this term means applying for a new loan, which will be more profitable and will allow you to pay off existing debt obligations. It is not necessary to consider mortgage refinancing at VTB 24 in 2017 only when a difficult financial period occurs, because this program also helps to change certain conditions and make them more profitable for the client.

For example:

Amount of regular payment;
Duration of the loan agreement;
Procedure for making payments;
Loan rate;
The currency in which the mortgage is issued.

The mortgage refinancing program at VTB 24 in 2017 is available for the purchase of real estate in new buildings, as well as on the secondary market. In addition, you can refinance using any loans taken out against residential real estate as collateral.

This program is very practical and profitable, even if the borrower is not experiencing financial difficulties, but is simply reorganizing his income and expenses.

For example, you have a lot of small loans and a home loan. The mortgage refinancing program from VTB 24 in 2017 will help pay off debts, remove real estate from collateral, reduce the interest rate, adjust the loan repayment period and reduce the burden on the budget.

You can calculate the benefits of the program on the official website in the mortgage refinancing section VTB 24 calculator. In addition to an attractive interest rate, refinancing has many other advantages, which is why it is in great demand. However, the program requires the preparation of a package of documents and evidence of the client’s reliability. If the application is approved, the previous loan will be repaid, and the client will become a debtor to VTB 24.

Refinancing mortgages from other banks

The bank considers applications from the population on an individual basis, and therefore the rate on a new loan may vary. The percentage is affected by the condition of the property under mortgage, the size and term of the mortgage loan, etc.

Conditions

A potential borrower under the mortgage refinancing program at VTB 24 in 2017 can expect an amount from 1.5 to 90 million rubles. However, it cannot be more than 80% of the cost of the mortgage housing. You can refinance for a period of no more than 50 years. The currency of the new loan can be ruble, euro or dollar.

It is important to clarify the additional conditions of on-lending in this financial institution before completing the transaction. For example, when confirming his solvency, the client can provide not only certificates of his income. VTB also takes into account the income of close relatives of the borrower who live with him (wife, adult children or parents).

After refinancing a VTB 24 mortgage, the bank’s calculator calculates the client’s interest only on the balance of the debt, and not on the entire loan. Debt repayment is made in monthly payments (cash or wire transfers). To do this, you can use an ATM, remote access system, or Internet banking.

VTB has no fees for processing documents and issuing a new loan, as well as for early repayment.

Requirements for the borrower

Before submitting an application for on-lending to VTB, it is recommended to make sure that you meet the bank's requirements.

Only the following categories of citizens can approve an application for mortgage refinancing at VTB 24 in 2017:

Active population aged 22-65 years (women under 60 years old). Moreover, the maximum limit is the age at the time of repayment of the debt.
Residents of the Russian Federation with permanent or temporary registration in the country.
Working Russian citizens with a permanent income. Moreover, the total length of service must be at least one year, and the period of work in the last place must be continuously at least 6 months.

To submit an application to VTB 24 for mortgage refinancing, you must not only have the listed qualities, but also provide documentary evidence of this to the bank. Sometimes VTB refuses refinancing without explanation.

List of documents

For such a case, you need to collect a standard set of papers:

Identity card with photocopy;
A certificate confirming the client’s income, issued no later than 1 month ago;
Documents for a mortgage loan that was previously concluded with another organization (certificate of the full cost of the loan, confirmation that the borrower has not made any delays);
A certificate confirming the applicant’s ownership of the property;
A copy of the employment contract or borrower's book.

Compulsory insurance

At VTB 24, mortgage refinancing requires compulsory insurance. This can only be insurance of the collateral against damage, fire or destruction, or insurance of the client against disability or death.

The borrower can take out only the first insurance, in which case the rate under the program will increase by 1% per year. If the client had insurance for a previous loan, it can be reissued, and the insurance company must be a VTB partner.

Refinancing procedure in 2017

The program is available to the public under absolutely transparent conditions. The client must collect a package of necessary documents, receive a certificate of the full amount of the outstanding balance, and a statement of payments made. When all the papers have been collected and the borrower has read the terms of the VTB 24 mortgage refinancing program, you can submit an application for consideration. This can be done at the nearest bank branch or through the official website.

Employees of the financial institution will check the accuracy of the data provided, check the papers for errors, after which the applicant will be offered individual terms of the transaction and a decision on the application.

If the client’s application is approved, then he needs to contact a bank employee with all the documents to begin drawing up an agreement under the VTB 24 mortgage refinancing program.

After the transaction is completed, the money is transferred to the bank account in which the mortgage was previously issued, after which the debtor becomes a client of VTB and is obliged to fulfill its obligations according to the new agreement.

Mortgage lending is an extremely important and serious issue that requires a thorough and thorough approach. But sometimes even the most prudent and prudent individuals find themselves in a situation where it becomes increasingly difficult to repay the debt on time. An excellent way out of this situation could be refinancing your mortgage at VTB24.

It is difficult to find a person who does not understand what this service is. If you pay attention to its essence, it turns out that refinancing is issuing a second loan to cover the first one. But the re-loan compares favorably with the previous one with low monthly payments and changed repayment terms.

The same can be said about obtaining a new loan from VTB. It stands out due to its low interest rate, large amount and long repayment period. All this allows you to reduce the existing financial burden and make paying off your debt much easier. At the same time, the process of studying the submitted application takes a minimum of time, so clients will be able to cope with the difficulties that arise in just a few days.

Conditions for refinancing a mortgage at VTB 24

The most important condition for refinancing a mortgage at VTB24 Bank is to provide more favorable and attractive lending conditions than the debtor had in the past.

Currently, clients are offered the following:

interest rate – from 8.8%;
maximum term – up to 30 years;
maximum amount – 30 million;
loan currency – rubles;
limitation – no more than 80% of the value of the property.

Additionally, the lender offers clients a simplified application submission option. But in this case, borrowers will have to come to terms with two changes. The first is to reduce the available amount to 20 million. The second also concerns the size of the loan. It should not exceed 50% of the value of the mortgaged property.

The annual rate indicated above deserves special attention. The numbers mentioned are offered as part of a special promotion, therefore, when planning to apply for a loan, you should again pay attention to the available parameters and the current offer. The numbers may change slightly.

Refinancing a VTB24 mortgage in other banks

Considering the issue of refinancing a VTB mortgage with other banks makes no sense, since each credit institution offers its own parameters and makes separate requests. That is, the final parameters of the loan depend not on VTB24, but on the selected financial institution.

At the same time, standard requirements for clients in need of financial assistance include:

no current late payments;
the existence of no more than a month of total delays over the last six months (some organizations do not allow such omissions);
absence of any attempts to change lending conditions in the past (applies to restructuring, credit holidays, currency changes, conclusion of additional agreements).

Additionally, banks have special requirements for the age of the borrower (they vary depending on the chosen institution) and real estate. This usually concerns its age and technical condition.

Refinancing a mortgage at VTB if the mortgage was taken out at Sberbank

The bank where the mortgage was previously issued is not of fundamental importance for refinancing. The conditions remain the same, regardless of the lending institution. It is important to mention that, in addition to the offer described above, VTB offers an alternative loan agreement program. It is called “Victory over formality” and is distinguished by the absence of the need to provide income certificates. But you should be prepared for the fact that the lack of financial documents will lead to an increase in the rate to 10%.

Basic requirements for clients

There are no special requirements that clients must meet. To receive money you will need:

permanently reside on the territory of the Russian Federation;
or be a Russian citizen working abroad.

That is, both foreigners living in the country and people who do not have registration in the state are able to apply for financial support.

Therefore, to obtain approval, it is enough to be legally capable and not have any current arrears on the existing loan. Nothing additional is required. And the existence of a program that allows you to do without certificates of salary and income received proves that the lender does not set strict restrictions in financial matters.

What documents are needed?

The list of documents contains the following items:

passport and its copy;
SNILS;
a copy of the work record book or contract certified by the employer;
income certificates;
for men of military age - military ID;
a certificate confirming that there are no debts on the loan at the current time and during the entire repayment period;
real estate documents.

It is important to emphasize that there are no strict restrictions on documents confirming receipt of income. They can be any certificates. In this case, an aggregate calculation of the income of co-borrowers is allowed.

For the simplified lending systems mentioned above, a smaller number of documents from the specified list will be required.

Application and procedure for refinancing

According to the current procedure for refinancing mortgages at VTB in 2019, borrowers will have to:

make preliminary calculations using a special calculator (this step is recommended by the lender);
submit an online application and wait for the manager’s response;
visit the mortgage center with a ready-made package of documents;
sign an agreement;
timely pay the payments stipulated by the agreement.

The credit institution has foreseen situations in which clients may have difficulty filling out the application form and preparing documents. In such cases, you can order a call back from a specialist on the official VTB website.