Conditions and interest rates for refinancing loans in Sberbank. On-lending at Sberbank: conditions and reviews On-lending to individuals Sberbank

How to apply for a loan in Sberbank Online?

To apply for a loan at Sberbank Online, go to the "Loans" section in the top menu.

Click "Take a loan from Sberbank." A form for selecting loan parameters will open. Choose the options that suit you, including the amount and term of the loan. Please note: the interest rate and monthly payment are calculated automatically. Next to the amount of the monthly payment, the loan repayment schedule is indicated. Choose a service office convenient for you and click the "Apply a loan" button. Confirm the application for a loan with an SMS password and fill in all the fields of the questionnaire. After filling out the form, the "Submit Application" button will become active. You can submit your application for review immediately or save it to submit later. A pending application will be in the "Draft" status - you can find it in the "Credits" section.

How long does it take to consider an application for a loan at Sberbank?

The maximum processing time for an application is 2 working days.

How to get money for an approved application?

You can receive money within 30 days from the date of approval. The deadline for enrollment is 1 business day after the approval and signing of the documents.

If you receive a salary or pension to accounts opened with Sberbank, you can receive money in Sberbank Online in the Loans section. On the screen with an approved application, click "Apply for a loan". If this button is not available, go to Sberbank Online again or contact the Sberbank office indicated in the application.

If you do not receive a salary or pension to your Sberbank accounts, contact the Sberbank office to receive a loan.

When applying for a loan in Sberbank Online, you can:

Choose insurance for the loan;

View the preliminary payment schedule;

Choose a convenient repayment date;

View individual loan conditions;

Select a card for crediting a loan (here you can also refuse a loan, for example, if you need to make a new application).

Important: the loan is credited to the account of a debit card opened in the region where the loan is issued.

Card requirements:

The overdraft has been repaid or not being used;

The card is active and there are more than 2 months left before the expiration date;

Card currency - rubles;

The card account has not been seized.

How can I find out what my monthly loan payment consists of?

Information on your payment can be viewed in Sberbank Online in the Loans section. Select the loan you are interested in - on the loan page you will see all the information on the monthly payment.

How to find out the debt on the loan?

Information on your debt can be viewed in Sberbank Online in the Loans section. Select the loan you are interested in - on the loan page you will see all the information on the debt.

How do I find out if I have debt on loans at Sberbank?

You can view all debts in Sberbank Online in the Loans section.

How do I know if I have outstanding loans at Sberbank?

You can view information on loans outstanding at Sberbank in Sberbank Online in the Loans section.

How can I get an early repayment on a loan?

How can I find out what penalties were charged to me if I did not repay the loan on time?

You can find out information on accrued penalties in Sberbank Online in the Loans section.

Its essence is to obtain a new loan to pay off the old one. As a result, conditions become more favorable.

Offers such a program and Sberbank. And if the organization accurately refinances loans issued by other banks, then what about those that were taken in the same institution?

Let's try to figure out if Sberbank refinances its own loans and what is needed for this.

Is it possible to refinance

Sberbank, in accordance with the refinancing program, allows you to refinance several loans at the same time.

In this case, one of them can be taken from the bank itself.. It must be joined by at least one third-party loan product that has not been fully repaid at another banking institution.

This service has many benefits.. It allows you to reduce interest rates, increase loan terms, combine several loans into one, thereby making the repayment process much more comfortable.

Of the disadvantages, it is worth noting that it takes some time to complete it. In addition, it is not always beneficial.

Can Sberbank refinance its own loan? Yes, the organization refinances, including its own loans, but not all.

The program applies only to consumer and auto loans, provided that a loan taken from another institution is refinanced at the same time.

The service does not apply to cards: credit and overdraft.

An even greater reduction in interest can be received by those who are ready to re-register a mortgage taken from a third-party institution.

This will make it possible to refinance the debt taken from Sberbank itself together with the mortgage at a rate of only 9.5% per annum.

For its customers, Sberbank greatly simplifies the process of applying for a service refinancing a loan taken from Sberbank. There is also an option to apply online.

Please note that Sberbank does not refinance its mortgage programs.

Terms of Service

On-lending is made only in ruble currency. Its rules will differ depending on which loans need to be reissued.

So, if, along with a Sberbank loan, you refinance another consumer loan or several, then the conditions will be as follows:

• The amount is from 30,000 to 3 million rubles.
• Loan terms range from 3 months to 5 years.
• Guarantors and collateral are not required.
• There is no issuance fee.
• Certificates stating that you have repaid debts in third-party credit institutions are not required.
• The interest rate is 12.5% ​​for loans over 500,000 rubles and 13.5% for smaller amounts.

If you carry out on-lending under a program that includes a mortgage loan, then the conditions will be as follows:

• The minimum amount is 500,000 rubles.
• The maximum value will be no more than 80% of the market price of the property registered as collateral. In general, there is an opportunity to receive up to 5 million rubles. directly for a mortgage, up to 1.5 million - to cover other debts, up to 1 million rubles. for personal needs.
• Using this program, you can refinance one mortgage and up to five other loans, including consumer loans, car loans, credit card debts.
• The final percentage will be determined by many parameters. One of them is the provision of a certificate of repayment of debts to be reissued, it is possible to reduce the rate by one point.

How to refinance a Sberbank loan at Sberbank itself? The financial institution imposes certain requirements in relation to the borrower and to refinanced debts.

They are the following:

The calculation of the amount will be determined on the basis of what documentation the borrower will provide, the level of his income, marital status and a number of other parameters.

In total, there must be at least five refinanced debts (six, including mortgages).

Registration procedure

First, consider what documents are needed for refinancing:

If a person receives a salary on a Sberbank card, then the list of documents is the same, in addition to certificates from the place of work. But when refinancing a mortgage, it will be needed in this case as well.

If you need to close a credit card debt, you will need information about the amount and currency of its credit limit.

For a mortgage, additional documents on collateral real estate, a certificate of ownership, a certificate of valuation, a registration certificate, an extract from the USRN, a spouse's consent to provide housing as a pledge of a banking organization, and, if available, a marriage contract, will be required.

If the collateral is a house located on a land plot, then documents are also needed for the latter.

Consumer loans are issued as follows:

When refinancing a mortgage in conjunction with other loans:

Please note that the interest rate on a new loan may be higher than promised. It will decrease when the repayment of all loans is documented.

There is also a restructuring service. It involves changing the terms of credit if the client cannot fully fulfill his obligations.

This program is provided only in cases where difficulties can be confirmed: a person has lost his job, was called up for military service, lost his ability to work, is on maternity leave.

The layout in this case will be about the same.

Thus, refinancing loans at Sberbank is offered on fairly favorable terms., and including it is possible to refinance the debt taken in the same place.

But first take into account all the points, calculate the benefits, compare different offers, and only then make the exact decision.

In contact with

Quite often, people are interested in whether it is possible to make a deposit in order to pay off another loan. Many will be happy to hear that refinancing at Sberbank will help in this matter. This is one of the new services of this financial institution. In some situations, it is the on-lending of loans of various types that is the only way for borrowers not to fall into a debt hole, from which the level of income does not allow them to get out.

The situation in which a person cannot pay loan payments is common, in most cases it is due to the inattention of people. Borrowers often do not attach importance to hidden fees and insurance, as well as other additional payments. As a result, loan payments are unsustainable.

The essence of refinancing

Refinancing (Sberbank) helps the borrower to close all debts on previously issued loans. Refinancing allows you to structure and redistribute payments on loans. To put it simply, when applying for refinancing at Sberbank, you can repay it with those taken from other financial institutions. It will be possible to take out a loan to cover another loan only if there are no delays in payments. Moreover, the registration of the service provides for the provision of a full package of documents, as in the case of standard loans: a passport, income statement, real estate, loan agreement, and so on.

On-lending of consumer loans

If you have about five loans, they can be repaid in full at the same time if you manage to arrange refinancing with Sberbank. Consumer credit, which is issued in large hardware stores or hypermarkets, is characterized by high interest rates. This is due to the fact that people do not think about the price when they see the desired things. Financial institutions, taking into account this psychological factor, offer their clients maximum interest rates, which often turn out to be unbearable. The amount that the borrower can count on can be no more than 1 million rubles. The loan term in this situation will not exceed 5 years, and - about 17%. This program does not provide for the mandatory presence of guarantors.

Who can take advantage of the loan?

It is worth paying attention to the fact that Sberbank offers refinancing only to the category of customers who have a positive credit history. A prerequisite for partnership is the availability of timely payments for at least 6 loans, which are planned to be covered by refinancing. The program from Sberbank allows you to pay all loans on time at minimal cost.

Mortgage lending: why people choose programs with high interest rates

Almost every person who has had to borrow money from a bank is well aware of the concept of high interest. It often happens that there are simply no more profitable lending programs in the financial market at one time or another. In this situation, the loan format that is most acceptable is drawn up.

The urgency of buying a home on a mortgage with a high interest rate may be due to the need to quickly resolve the issue of housing. A high rate can be offered with an insignificant down payment. Given the size of the loan and the duration of the partnership with the bank, the overpayment is significant. Monthly payments can be so large that you have to lower your standard of living. But even this situation is not hopeless.

Refinancing or on favorable terms

Mortgage refinancing at Sberbank is offered to those customers who took out a loan to buy a home in another financial institution. The loan is issued only in the national currency, in rubles. The amount of the loan cannot be more than the balance of the loan. It is necessary to pay attention to the fact that the size of the loan for refinancing cannot be more than 80% of the cost of housing, which is set by an expert appraiser. When forming a partnership, it is customary to take into account the smaller of the values. Mortgage refinancing in Sberbank is carried out on the security of property, in this case, the purchased property. Insurance is a prerequisite for refinancing. The term of refinancing will correspond to the term of the primary mortgage loan. The rate will be selected depending on the terms and duration of the partnership. It can range from 15.25% to 20%.

Mortgage refinancing: what documents should be provided?

For it is worth preparing an application in the form of a bank questionnaire. You will also need a passport of the borrower and passports of guarantors or co-borrowers. Important documents that could confirm the financial position of the borrower, and guarantors, and co-borrowers. In advance, it is important to take care of the papers on the premises and the pledge: a contract of sale or an agreement on shared construction, a certificate of registration of property, an extract from the register, an appraisal certificate of living space, and others. Receipts for payment of all payments must be submitted to the bank, as well as an insurance contract and a certificate confirming the loan balance and indicating the absence or presence of debts with the specified deadlines. If there is a notice of assignment, it is also provided to the bank. Refinancing, which Sberbank offers on incredibly favorable terms, excludes the payment of commissions upon early repayment of the contract, but provides for annuity payments.

What are the benefits of refinancing?

A banking program focused on repaying loans that are issued in another financial institution has appeared relatively recently. Many people still do not understand the benefits and feasibility of such proposals. However, practice has clearly shown that this category of banking services is in high demand.

Today, refinancing a loan at Sberbank (reviews indicate this) allows you to reduce not only the loan period by reducing the size of the monthly payment. Universal service reduces the total overpayment on the loan. The lending market is replenished annually with new programs that are much more profitable than their counterparts from the past. After two years, you can get a mortgage or buy expensive equipment much cheaper.

Due to the economic situation in the country, there may be difficulties with solvency. The benefit provided by the refinancing of which is only positive will be tangible if the difference between the programs is about 2-3%.

New program from Sberbank

The conditions for refinancing at Sberbank will differ significantly depending on the proposed program. For example, refinancing of consumer loans is carried out with a rate of 20% and up to 5 years. Mortgage refinancing provides for a rate of 15.25% and a partnership term of up to 30 years. Another proposal worth mentioning is the Young Family program. As part of the service, you can take advantage of the following offers:

1. Ability to connect co-borrowers to payments (from 3 to 6 people).
2. Registration of a delay at the birth of a child.

The innovative program can be used by complete and single-parent families in which the age of parents does not exceed 35 years. We can say about one more proposal, under which mortgage debt in the event of refinancing can be paid on special terms at the expense of maternity capital. In any situation, each client of Sberbank at the time of contacting a branch of a financial institution will be offered the most profitable refinancing format.

Why Sberbank?

For on-lending, you can choose one of the many banks in the financial market. However, Sberbank's refinancing rate is the most attractive among all available offers. The financial institution has many clients and acts as a fiduciary of the government in the field of finance. Among the services of the bank there are a huge number of financially beneficial offers.

A significant factor influencing the choice of this institution as a partner is the numerous positive customer reviews. When applying for refinancing, an individual approach is provided for each. It doesn't matter what type of property you need to refinance. Sberbank offers programs for up to 30 years for residential properties and building plots. Non-residential real estate does not fall under this service.

Problem loans have ceased to be insurmountable obstacles in life. Unique on-lending programs, which are positively reviewed by many clients, help to minimize the payment burden.

Along with other banks, Sberbank offers its clients a refinancing program - the transfer of any loans from other banks (except mortgages) on more favorable terms. Using this service, you will receive a fixed interest rate and a smaller amount of regular payments. It is possible to combine up to 5 loans at the same time. Moreover, Sberbank offers borrowers to choose a convenient debt repayment schedule. A nice bonus is getting an additional amount for consumer needs without increasing the monthly payment. People aged 21 to 65 years old, whose work experience in the last place is at least six months, can take advantage of the refinancing project from Sberbank.

Refinancing for individuals

Only ruble loans fall under the program. The amounts that can be transferred to Sberbank are from 30 thousand to 3 million rubles. It is important that you do not have a delay in other banks, and the period of time before the expiration of the contract must be at least 3 months. The repayment period under the new loan agreement may be up to 5 years. Interest rate from 12.9% to 13.9% per annum.

Required documents

To start the refinancing procedure and obtain a loan on more favorable terms, you must provide the following:

• Application form.
• Civil passport of the Russian Federation with a residence permit in one of the regions of Russia.
• Certificate of income 2-NDFL or in the form of a bank.
• A certificate from the bank from where you plan to transfer debt obligations with the exact amount of the account balance.

How to issue

First you need to prepare a package of documents listed above. Then visit any branch of Sberbank and apply. It takes up to 2 business days to process your request. After that, a representative of a financial institution will contact you and set a date when you will have to sign a new loan agreement.

Debt recovery methods

To repay a cash loan from Sberbank, various options are available:

• From a bank card.
• Through the Sberbank Online service.
• Transfer through any bank.
• At the cash desks of the native bank.

Refunds are made in annuity (equal) payments. Early repayment is allowed.

With the help of refinancing at Sberbank, you can "collect" up to 5 loans into one. The Bank offers individuals favorable conditions for on-lending debts issued both in other banks and taken from Sberbank itself.

Key conditions

As a result of on-lending, the client will receive a lower monthly payment and a low interest rate. So, the rate for amounts:

• up to 500 thousand rubles will be 13.5%;
• over 500 thousand rubles - 12.5% ​​per annum.

Under a new loan, the amount of borrowed funds can reach 3 million rubles at maturity 60 months.

The loan refinancing program for individuals will help solve several problems at once: reduce the amount of payment, receive an additional amount and improve service convenience, since you will have to pay off debts once a month.

In this case, confirmation of repayment of loans is not required. Also, you don't need to:

• provide collateral;
• attract guarantors;
• pay a fee for issuing loans.

Borrowers who have mortgage and consumer loans from other banks are given the opportunity to refinance under a separate program "Refinancing mortgages and other loans." As a result, the amount of debt will also be formalized in one contract, mortgage or other housing will be pledged.

To use refinancing, you should contact the bank branch at the place of your registration. If the borrower is served under a salary project, then you can submit documents to any branch, regardless of the place of registration.

The decision of the bank is valid for 30 days. The loan is issued in one amount. The credited funds are used by non-cash way to repay refinanced loans.

Who and what debts can refinance

Sberbank refinances both its loans and debts in other banks. The borrower can close almost any debt: for cash loans, for the purchase of a car, for credit and overdraft cards of third-party lenders.

At the same time, consumer loans subject to refinancing must meet certain requirements:

• timeliness of repayment during the last year;
• the loan was issued more than six months ago;
• before the end of the contract 3 or more months;
• debt restructuring was not carried out.

How to Refinance: 4 Steps

The sequence of steps, if refinancing is necessary, does not differ from the steps for obtaining a conventional loan. Therefore, having decided to get more favorable conditions, the borrower needs to take 4 simple steps.

1. Visit a bank branch or branch for a consultation.
2. On your own or with the help of a manager, fill out an application form for refinancing. Provide the documents required by the bank (a sample application and a list of documents are given below).
3. After a positive decision, sign a loan agreement.
4. Get the amount and close previous loan obligations.

Loan documents are reviewed for two days. If additional data is needed, the decision-making time may be extended.

What documents are needed

To use the Sberbank refinancing program, you must submit:

• application form;
• passport, with a mark of registration at the place of residence;
• documents on previously received loans, including certificates or statements on the amount of debt;
• confirmation of income in the form required by the bank. If the amount is requested only for on-lending, then it is not necessary to provide documents on financial condition.

The questionnaire in its content represents an application for refinancing. The form consists of 7 sheets, contains information about the borrower, his property and income, as well as data on credit obligations.

Sample application for refinancing a loan at Sberbank (can be downloaded from the link):

1 2 3
4 5 6
7

Online application for this product is not provided. But when contacting the office, a bank specialist can fill out the form on his own according to the borrower.

After issuing a loan, Sberbank does not request certificates from other banks on closing debts. However, this does not mean at all that you can not extinguish debts. If Sberbank finds out that the loan funds were spent for other purposes, it has the right to demand a full early repayment, and the borrower will not be in the best situation.

Pros and cons of the program

Refinancing has its pros and cons.

The benefits of the Sberbank program include:

• the percentage is reduced, the result is less monthly installment and overpayment;
• a longer period of use of funds - this will also reduce payments;
• the minimum decision-making time;
• there are no commissions at all;
• convenience of repayment - payment of one loan instead of several.

Among the shortcomings, it is necessary to highlight the strict requirements for the absence of delays in the last 12 months, as well as the inability to apply online on the bank's website.

Alternatives: the best offers of 2020 for refinancing loans from other banks

As an alternative, the borrower should consider offers from other financial institutions:

• Rosselkhozbank: borrowers are provided with funds up to 1 million rubles, the rate is 18.5% per annum in rubles and 12% in foreign currency, for a period not exceeding 5 years.
• RaiffeisenBank has its own offers similar to Sberbank: the ability to refinance 5 loans for up to 2 million rubles at a rate of 11.99%. You can get additional funds. Refinancing does not require the consent of the current lender.
• Alfa-Bank offers up to 7 years at a similar rate - 11.99%. The amount has been increased to 3 million rubles. You can also combine up to five loans and receive additional funds on a card, cash or account.
• VTB 24 introduced slightly different conditions. It is possible to combine up to 6 loans, credit cards, with a standard term of six months to 5 years. However, the rate depends on the amount of refinancing. Up to 599 thousand rubles - 14-17% per annum, with an amount over 600 thousand - 13.5%.
• Gazprombank for clients of other banks offered to refinance only one loan for a seven-year period. The amount that the borrower can receive reaches 3.5 million rubles. at a rate of 12.25 to 15.75% per annum. Its size depends on the length of the loan term, the availability of collateral, receiving a salary from a bank, and insurance.
• Post Bank offers refinancing on general terms and separately to pensioners. The annual percentage depends on the amount of refinancing and ranges from 14.9 to 19.9%.

An analysis of banking services in the refinancing market shows that Sberbank, Raiffeisen Bank and Alfa-Bank have the most acceptable conditions. They provide the ability to combine up to 5 loans into one and a low interest rate.

Gazprombank offers a low interest rate and a long refinancing period, however, this option can only be applied to one loan - there is no provision for combining five loans into one.

VTB 24's offer will be interesting, first of all, to payroll customers of the bank. "Post Bank" may be of interest to borrowers with a quick consideration of the application.