Raiffeisenbank is constantly improving lending algorithms, offering its customers only the best. The refinancing program allows you to combine up to 5 loans in different financial institutions into one. An important advantage of the tariff plan is the receipt of additional money for consumer needs. The consent of the current creditor is not required for the transfer of debt obligations to Raiffeisenbank. The tariff plan is designed for Russian citizens aged 23 to 67 living in one of the regions of the country. At the time of the conclusion of the contract, you should not be an individual entrepreneur, engage in advocacy and your own business.

Refinancing for individuals

When refinancing at Raiffeisenbank, you can receive from 90,000 to 2 million rubles in national currency. Loan term from 1 to 5 years at a fixed rate of 11.9% per annum. When signing an agreement with the bank, you can additionally receive an amount for any expenses. Mortgages and car loans also fall under the refinancing program.

If the borrowed funds are not used to refinance loans, Raiffeisenbank may increase the commission to 19.9%. In case of delay in payments, a penalty of 0.1% of the outstanding amount for each day of delay will be charged.

How to get a loan

You can leave an application for refinancing on the official website of Raiffeisenbank. To do this, you need to fill out a simple form, indicating your full name, date of birth, email address and mobile phone number. After reviewing the request, a bank employee will contact you and ask clarifying questions. If you receive a positive response, you must drive to the nearest branch of the bank to sign the documents.

Debt repayment options

To repay a debt, Raiffeisenbank offers several ways at once:

• No commission - in the branches of the native bank according to the contract number and passport, QIWI terminals, payment by bank card, interbank transfer, through the Zolotaya Korona system.
• With a commission - at Raiffeisenbank ATMs.

It is also available to deposit cash through ATMs and terminals of the ICB and Binbank.

Summing up, we can say that the refinancing program from Raiffeisenbank is an ideal solution when you need to reduce the debt burden on the family budget and be able to repay the loan on more favorable terms.

The official Raiffeisenbank loan refinancing calculator is a simple and effective tool with which a potential borrower can calculate the approximate cost of refinancing a loan for individuals as of 2018.

In simple terms, refinancing is closing the current loan and opening a new one, on more loyal terms. Raiffeisenbank's loan refinancing program nullifies all the risks of late payments and offers the borrower comfortable conditions for repaying loans from other banks.

If the amount of monthly payments on the current loan is too high, and you can not cope with the repayment of the current loan, then in order to avoid penalties, you can refinance it. Also, refinancing will be useful in case of a noticeable decrease in the consumer loan rate. In this case, it is better to take advantage of on-lending on more favorable terms, and pay off the old debt ahead of schedule.

Conditions for refinancing a loan at Raiffeisenbank

1. Interest rate - 11.99%
2. Refinancing amount - up to 2,000,000 rubles
3. The minimum loan amount is 90,000 rubles
4. Loan repayment term - up to 5 years
5. Possibility of early repayment without commissions and penalties

Advantages and benefits of on-lending at Raiffeisenbank

• Reducing the amount of monthly payments
• Reduced interest rate on a loan
• No commissions or hidden fees
• The possibility of consolidating up to 5 loans into one (this simplifies the fulfillment of debt obligations to the bank)
• Possible increase in the loan repayment term (relevant if you need to reduce pressure on the family budget)
• Possible reduction in the loan repayment period (relevant if current income allows you to increase the monthly payment)
• Apply online
• Opportunity to earn extra money
• The consent of the current lender is not required

Basic requirements for a borrower of a loan for refinancing

• Citizenship of the Russian Federation
• Registration on the territory of the Russian Federation
• Your age at the time of granting the loan is from 23 years old and at the time of expiration of the loan agreement does not exceed 67 years
• You are not an individual entrepreneur, a lawyer who has established a law office, or a business owner
• Do you have a mobile phone
• Do you have a mobile phone
• Help on form 2-NDFL

The Raiffeisenbank loan refinancing calculator will calculate all the necessary indicators and help you determine: the new monthly payment, the overpayment on a new loan, how the total overpayment will change, how the loan term will change.

Just enter information about the current loan and refinancing parameters into the online calculator - it will do the rest for you.

Refinancing a loan at Raiffeisenbank, according to customer reviews, is carried out quickly and competently. The package of documents will match the one needed to obtain a regular loan. When going to the bank, be sure to capture the loan agreement that was concluded with the first bank.

If the results of the calculation suit you, you can fill out an online form on the official website of the bank and send an application, or contact the bank branch directly.

Refinancing loans is a process in which a person takes out a new loan in order to pay off an existing debt, but this happens on more favorable terms. Today, almost all well-known banks offer a similar service. Refinancing a loan at Raiffeisenbank for individuals ensures a reduction in the interest rate and extends its validity period. It is also possible to combine several loans at once. This greatly simplifies the process of administering loans and reduces the burden on the budget, as monthly payments are reduced. If necessary, you can receive additional payments.

What is refinancing at Raiffeisenbank?

Refinancing can be very useful for individuals who have previously had to arrange consumer loans from third-party banks. Today, the rates of new loans are rapidly falling, and it becomes unreasonable to pay extra interest on existing loans. It is not surprising that people want to close old loans by resorting to the described procedure.

Who is eligible for on-lending at Raiffeisenbank?

There are certain requirements that each potential participant in the refinancing program must fulfill:

• Clients must be between 21 and 65 years of age;
• the client must be officially registered within the region where Raiffeisenbank operates;
• the income of individuals is not less than 15 thousand rubles per month;
• the last job experience is at least six months.

This list is the main one, but there are cases in which Raiffeisenbank requires additional documents. However, this usually happens at the time of lending 500 thousand or more rubles.

How is a loan refinanced at Raiffeisenbank?

Refinancing a loan at Raiffeisenbank for individuals, also called refinancing, will take less time if the client has a bank card with him. With it, the interest rate will drop, and you will not need to carry a whole pile of documents. The cost of annual maintenance will be equivalent to the amount that the bank issues for the borrower on the card. Additional commission is not charged.

Mortgage refinancing at Raiffeisenbank

To refinance a mortgage, an individual can use the current program - an analogue of debt refinancing. To do this, you need to re-evaluate the reputation, the subject that is given on bail, as well as formalize the conclusion of a mortgage agreement.

There is a special annual rate of 9.75%, created specifically for refinancing foreign currency mortgages. It should be borne in mind that such a mortgage issued in another bank is not subject to change. At the moment, the program for changing foreign currency to Russian rubles at the current exchange rate is more accessible. No additional documentation is needed.

Refinancing of consumer loans "Raiffeisenbank": the essence of the program

What is the benefit to individuals if they use the services of Raiffeisenbank? The answer is obvious if you put everything on the shelves. Imagine that you have several loan agreements with rates set above 20%. Consolidation of all loans will provide an opportunity to form such a monthly payment, which will be significantly less than the previous ones. But be careful! For an individual in Raiffeisenbank, the restructuring is accompanied by a specific program that provides financial protection. In other words, funds will be required to pay a lump sum payment. To correctly calculate the debt, it is recommended to contact a qualified bank specialist. So you will get the most accurate answer on this issue and you can save money.

Refinancing a car loan at Raiffeisenbank

A car loan is one of the options for long-term loans. This is the one most often used for refinancing. In order to make early repayment, borrowers lower interest rates as much as possible. Sometimes financial institutions refuse another client. But Raiffeisenbank is trying to please everyone, the main thing is the fulfillment of certain conditions:

• the prospect of providing a loan not only in rubles, but also in dollars;
• a minimum initial payment of 15% or more (in cases where the currency is issued in Russian rubles from 25% or in dollars);
• in relation to the initial amount of the contribution, the amount should not exceed one and a half million rubles (if the minimum percentage is invested).

On-lending a loan from other banks

The described procedure is a reduction in the interest rate and the amount of monthly payments. These are favorable conditions, which are resorted to very often. When applying for on-lending consumer loans in third-party banks, the client will need not only a passport, but also a voluminous package of other documentation. In cases where it is planned to receive 500 thousand rubles or more, confirmation of employment at a permanent and existing place of work is necessary.

All that is required is a copy of the work book with the assurance of the employer. It is important that there is a note that a certain employee is actually employed for the period of on-lending.

Refinancing of a Raiffeisenbank loan

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Loan Comparison

Calculate the refinancing of loans at Raiffeisenbank in 2019

Calculate your benefit from loan refinancing online using the Raiffeisenbank calculator. Program and conditions for individuals in 2019.

What should borrowers of existing loans do when the pressure of monthly payments becomes critical? And this is against the backdrop of falling rates of newly offered loans. Refinance a loan! Why pay more on old overpriced obligations?

Raiffeisenbank offers a program to refinance your existing loans from other banks, but on more favorable terms for you. Here's what our customer reviews say about it.

New, more favorable conditions:

• It is possible to reduce the interest rate on the loan.
• Changing the loan currency. In the conditions of an unstable exchange rate (falling) of the national currency, it is more profitable to repay the loan in it.
• Extending the loan term. At the same time, the amount of monthly payments is lower, the pressure on the family budget is less.
• Reducing the loan repayment period. With a shorter loan repayment term, you end up paying less to the bank. Relevant if your income has increased significantly, and you are able to increase your monthly payments.
• It is possible to accumulate several consumer loans into one. You only make one payment per month. It is more convenient to control your debt obligations.
• In some cases, it is possible to remove the collateral for the primary loan.

Such conditions became possible thanks to the reduction of the key rate by the Central Bank and a more flexible financial policy of the bank for individuals and small businesses. This will require a minimum of required documents: a questionnaire, a passport, a certificate in the form of 2-personal income tax, a certificate of income and a tax return.

See how profitable it is to refinance a loan at Raiffeisenbank. An online loan refinancing calculator will help you with this. It's easy to calculate: just substitute the values ​​for the current loan from other banks and the new one.

If the result of the calculation convinced you, fill out an application or seek advice from the nearest branch of the bank.

The conditions for refinancing loans at Raiffeisenbank are called by the employees themselves the most transparent on the market. A credit institution offers the lowest interest rate in Russia, but whether its requirements are the most understandable and profitable, we will find out in detail in them.

You can refinance up to 5 loans at Raiffeisenbank, among which no more than 3 can be car loans, mortgages or allocated for consumer needs, as well as no more than 4 credit cards from other banks. It is possible to receive additional cash in cash for personal purposes. But the main condition of the program is compulsory insurance life, health and work capacity of the borrower. If we agree to take out insurance, the conditions of the offer will be as follows:

• The interest rate is fixed - 10.99% per annum.
• The amount of refinancing is up to 2,000,000 ₽.
• Loan terms - from 12 to 60 months.

In case of refusal of insurance, the interest rate on the loan rises to 16.99% per annum. Also, its value can be increased by Raiffeisenbank by 8% in case of untimely confirmation of repayment of debts in other banks.

Loan refinancing calculator

We suggest you make a calculation on our online loan refinancing calculator. It allows you to compare the parameters of your current debt with the conditions after refinancing. It can be calculated with a decrease in the amount of the monthly payment or the total term of the contract.

Briefly about insurance

The insurance is designed to reimburse a loan allocated for refinancing by Raiffeisenbank in the following cases:

• Loss of life or getting disability of I or II group. In this case, 100% of the debt is compensated.
• Getting serious bodily harm. Depending on the severity of the injury, insurance covers up to 100% of the debt.
• Obtaining the status of "unemployed" pays 1/30 of the monthly payment.

Insurance cost for refinancing is determined by Raiffeisenbank specialists individually for each individual based on his state of health, the amount of loans in other banks and internal rules and tariffs. We can only roughly estimate the cost of insurance based on customer reviews on the Internet. When calculating in this way, the purchase of a policy will cost 4-5% per annum of the refinancing amount. Moreover, it must be paid for the entire period initially upon signing the contract, or rather, the money is deducted from the amount intended for refinancing.

List of required documents and requirements

Raiffeisenbank's requirements for individuals are as follows:

To obtain a loan, Raiffeisenbank must provide the following documents:

• Passport of a citizen of the Russian Federation.
• Documentary proof of income(including additional) for the last 3 months with a 2-NDFL certificate, issued in the form of a bank or a 3-NDFL tax return.
• Confirmation of official employment, with a refinancing loan amount of more than 500,000 ₽, a copy of each completed page of the work book with the assurance of the employer, a copy of the contract or in another way.

Procedure for receiving and redeeming

To receive funds for refinancing debts in other banks, you must submit an online application on the official website of Raiffeisenbank. The questionnaire contains basic personal data of an individual. It takes 1 hour to process an application. A specialist of a credit institution may contact you to clarify the data on the requested loan. You can also immediately visit a bank branch with documents and write an application, or call a specialist at home (not available in all regions). If there is an offer from Raiffeisenbank, you can immediately receive money through the online service.

In case of a positive decision on the application for refinancing, it is necessary to visit the office of Raiffeisenbank with all documents to conclude the transaction. After signing the contract, the money is either handed over in cash or transferred to a specially opened debit card. Next, you yourself need to repay current loans in other banks, for which 90 days are allocated. Raiffeisenbank can independently see the closing of debts through the BKI, but it is better to bring them a certificate of repayment of loans from other credit organizations, since after 90 days and no information, the interest rate increases by 8% per annum.

The loan is repaid in annuity (equal) payments. If you decide to return the refinancing debt ahead of schedule, then when depositing money through the cash desk, there may be limits on the amount (find out in advance). In case of late payment, a fine of 0.1% of the amount of the debt incurred for each day of delay is charged.