Home loan bank loan refinancing online application. Refinancing of consumer loans in Home Credit Bank: conditions

The last decade has shown that citizens Russian Federation quite a lot scored various loans. In its turn, crisis situations at the international and domestic levels, they force borrowers to evade repayment of loan debts.

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The bankers decided to meet the needs of their clients and began to offer participation in programs for refinancing loan agreements. Home Credit Bank, along with all other financial institutions, also offers to refinance a loan if the client took it from another bank and has an encumbrance.

Conditions

Home Credit provides refinancing of a loan taken from another bank on the most favorable terms than is found with some lenders.

Than not receiving any money from a client at all when the court awards the ordinary bankruptcy of a natural or legal entity in such situations, bankers go to extreme measures and soften credit terms.

They connect such programs in order to receive at least some amount from the client as a repayment of the debt under the contract.

The main conditions for obtaining a refinancing loan at Home Bank are as follows:

1. Interest rate - 19.9%. Depending on the parameters that the client meets, in rare cases, a reduced percentage is likely for private, corporate or payroll clients.
2. The maximum you can take is from 50,000 to 500,000 rubles.
3. The maximum loan term is 5 years.
4. An excellent credit history is required.
5. Employment is mandatory at the official level according to.
6. Issuance is made exclusively by bank transfer.
7. Refinance credit is always issued in national currency- Russian rubles.
8. Refusal to refinance without explanation from the bank.
9. Only the agreement under which more than three payments have been made will be accepted for refinancing.
10. The age of clients must correspond to the gradation from 23 to 64 years

Before applying, think about the two refinancing options that you may be offered, or that you yourself will ask the bank. The first is a reduction in the terms of using the second loan, but a reduction in lending rates.

In this case, you will have to pay the bills hard for some time, but then you will pay back everything, perhaps less in volume than with the first (main) loan. The second direction is the extension of the term of using the loan with the recalculation of the monthly amounts.

The schedule will change, the interest rate per annum may turn out to be the same or even increase, it all depends on how much long term you request. In this case, you will overpay twice as much, or even three times.

How to get refinancing of loans from other banks in the Home loan

To be able to refinance your loan through Home Credit Bank, you must submit a written application for the secondary lender to review it and make its decision. To do this, you will need to personally come to the bank office.

When submitting such an application, it usually takes from half an hour to several hours to wait for a response. Very rarely you will be asked to wait until the specialist himself calls back. It takes no more than 3 days. But this happens extremely rarely.

Such an application can also be submitted on the official website of the bank - by clicking the "Submit Application" button. All items and fields that should be filled in on this interactive service are quite simple and do not require special instructions or preliminary explanations.

You simply fill in all the data required in the application, check the box, thereby confirming that you agree with the rules for providing information about yourself, transferring data, and click the "Show result" button.

After a bank specialist calls you back, you can discuss with him how to properly apply for refinancing. But most often such execution of the initial application occurs with the personal presence of the client at the bank office.

After the application is approved, no matter how it is submitted, the client is invited for an interview with the entire package of documents that needs to be collected. After a successful interview, a refinancing agreement is immediately drawn up.

You should first carefully study it, ask all the exciting questions to the bank employee. And after all the nuances are clarified, the client can sign the contract.

As soon as the agreement is signed, the refinancing amount will be transferred to the bank account opened. From it, a monthly amount will be deducted to the old creditor bank, which goes to repay the main loan.

What documents are required

Regardless of the fact that the primary creditor bank totally checked all your documents and compliance with the requirements, Home Credit Bank will still check in its own way.

Everything will be checked - from credit history to solvency. Therefore, be prepared to re-assemble the necessary package of documents.

Pre-prepare copies and originals of the following papers:

• civil Russian passport;
• any second document that can confirm the identity of the client (upon request) - a driver's license, foreign passport, SNILS;

• the passport must have a residence permit at the location of the branch of the Home Credit Bank;
• form help;
• copy work book with certification by the employer of all pages;

• all documentation for a loan subject to the refinancing procedure - an agreement, a schedule for monthly payments, a certificate reflecting the balance of the borrower's account and what were the delays.

There is one big plus in working with Home Credit Bank - instead of income certificate in form No. 2-NDFL, you can present your expenses - checks, payment documents for utility and other mandatory payments. So, the bank makes its own analysis of how reliable and responsible the client can be for him.

How does it work

Before revealing the mechanism of the refinancing program in Home Credit Bank, you should pay attention to the reasons why this creditor is generally ready to consider applications for clients to participate in this program.

In general, a fairly balanced approach to reissuing contracts received from a client from other banks works in practice.

The following nuances are taken into account:

1. The financial situation of the entire family.
2. The number of minor family members or the presence of a disabled person in the family who needs care.
3. How many people per family work or receive any material benefits, assistance, compensation, and other things that can be regarded as income.
4. Are there opportunities for the client's family members to receive additional income, and in what form.
5. Is there a property owned by the client or a member of his family, which could not be the only housing and be regarded as collateral.
6. What is the age of the client, his health, potential for employment on best job or get a part-time job.
7. Is it possible for the client to provide guarantees of a co-borrower - a guarantor who is ready to bear his own expenses in the event of a long-term default on the loan by the main borrower.
8. What is the client's credit history for past loans.

The refinancing mechanism works as follows:

• the client takes a loan from any bank for certain period With a certain amount without guarantee or pledge;
• after some time, he understands that he cannot pay in the future all the amounts that are reflected in the payment schedule under the loan agreement;
• the client applies to the bank with a written request to reduce the loan rate or recalculate monthly amounts so that it is more convenient for him to repay the debt;
• the bank refuses the client's request;
• then the client is forced to apply to another bank, for example, to Home Credit in order to borrow money at a reduced rate and a longer period of use to repay the original loan;
• the second bank agrees, gives you a loan and you use it to fully or partially repay the debt on the first loan.

Sometimes, with the help of refinancing, clients have the opportunity to repay only part of the loan or only the part that is considered debt, overdue payments with accrued interest on them.

But sometimes, with the help of such a mechanism, the client has the opportunity to completely close the entire loan and pay off the first creditor before closing the contract.

Of course, this will need to be done through the submission of a separate application for early repayment of the loan, if the term of the contract has not yet come to an end.

And then you give the first lender the entire debt, and then, on favorable terms, pay off the debt to the second bank that provided you with refinancing.

For example, consider the following refinancing option:

1. Suppose a citizen of the Russian Federation issued a loan in the amount of 200,000 rubles.
2. The interest rate on the loan was 20%.
3. The loan term is 5 years.
4. The bank made monthly payments according to the schedule in solid terms.
5. After 2 years of regular payments from the client, he suddenly begins to understand that he will no longer be able to repay the loan due to the fact that he lost his job and it is not known when he will find the next job opportunity.
6. Immediately, without delay, the citizen turns to the creditor bank in order to somehow find a solution to this situation.
7. Submits an application to the bank with a request to reduce the amount of interest on the loan or increase the term with the recalculation of monthly payments.
8. The bank refuses him for its own reasons, despite the ideal credit history client, and insists on the correct payment of mandatory payments.
9. Then, to solve the problem, the client goes to another bank and applies there for a loan, but with a request to issue it as refinancing with a reduced percentage and for a longer period than the first loan.
10. The second creditor bank agrees and approves the application of a conscious client.
11. The amounts received from the second bank, the client gives to the first creditor every time when the monthly payment deadline approaches.
12. The execution of the refinancing agreement takes place on the condition that the money will be transferred from the client's account from one bank to the account in another bank, where the initial loan was issued, automatically, according to the payment schedule under the main loan agreement.

The example shows that the second bank does not need to deal with any re-registration, redeem the debt of the borrower, somehow artificially create a conflict with the primary creditor. Is there any benefit here, you ask? Of course there is.

Let's say the client paid the first creditor 10,000 rubles for each month, and under the refinancing agreement, he has the opportunity to pay 7,000 rubles a month.

But such a benefit is possible only if the second bank agrees to issue a loan with a reduced interest rate (less than 20% set for the first loan).

Or when the second creditor issued a loan for a long period (more than 50 years), which significantly facilitates the monthly repayment of the debt by the client.

Advantages

With the use of refinancing for the successful repayment of debt to the lender, not everything is so simple. For some, this mechanism is an advantage and benefit, but for some it is not.

Much here depends on the correctness of the calculation, design and choice of the client - what he wants, to reduce the rate or increase the term of use.

More often than not, a lower interest rate is a benefit compared to a longer payment term. But for any bank, the longer the client uses his money, the more profitable it is for him. Home Credit Bank is no exception in this matter.

In general, the following advantages are noted - in this bank, customers have the opportunity to:

• provide a list of expenses with confirmation instead of a certificate of form No. 2-NDFL;
• use the full confidentiality service of the bank;
• reduce loan terms;
• reduce interest rates;
• reduce monthly payments;
• increase the terms of using the loan at favorable interest rates.

Refinancing can be arranged in several Russian banks, including Home Bank. The main differences in the provision of on-lending in this institution are: profitable terms and the standard interest rate for an individual. Only borrowers of other banks can use the loan refinancing services. Registration of new loans to repay old ones for Home Bank customers is not valid.

Conditions

In Home Credit Bank, you can apply for refinancing of any type of loan: consumer, mortgage, car loan, cash or card loan.

The main condition for refinancing a loan from another bank in Home Credit is that at least 3 payments must be made for the old one.

It is also important that an individual has a positive credit history and the ability to confirm own income. A certificate in form 2 of personal income tax will do.

Mortgage refinance interest rate

A mortgage is a type of loan that is issued for a long period. During the loan repayment period, an individual may experience financial difficulties, so it is beneficial to re-register a mortgage if there is a feeling of a large overpayment. Also, the need for refinancing may be caused by the desire to extend the term of the contract and thereby reduce the amount of monthly payments.

Mortgage refinancing in Home Bank is provided at 19.9% ​​per year.

There is no need to attract guarantors when refinancing a mortgage, however, housing is transferred to the pledge of a new lender according to the conditions. Also, here an individual can receive a loan in size larger than the balance of the debt. The rest of the money the borrower can spend on their own needs.

When refinancing a mortgage at Home Bank, an individual can increase the debt repayment period by 1-5 years compared to the old agreement.

Despite the benefits of refinancing a mortgage, an individual will have to pay additional funds for real estate revaluation and insurance, since these conditions are mandatory in Home Bank.

Refinancing of a consumer loan

The conditions for refinancing a consumer loan at Home Bank are:

• The standard interest rate for all clients is 19.9%. In other banking organizations, the interest rate may be lower. For example, in VTB24 the interest rate is only 11.7%. However, it is important to remember that at Home Credit Bank you can reissue a consumer loan without providing an income certificate. (other refinancing offers without proof of income);
• It is possible to re-register the following loans: mortgage, general purpose and car loans;
• The maximum loan repayment period varies from 12 to 60 months;
• From 50 to 500,000 rubles are allocated for refinancing;
• The borrower must be over 23 but under 64.

Home Bank also has secondary advantages compared to other financial institutions:

• The loan is issued without guarantors and co-borrowers;
• It is necessary to provide a small package of documentation;
• No need to pay a commission for additional services: issuing funds, opening an account or transferring money;
• It is allowed to issue refinancing of loans from third-party banks for which at least three payments have been made (in other financial institutions refinance loans issued more than a year ago, that is, the number of monthly payments for them is at least 12).

Required documents

Documents for refinancing a loan at Home Credit Bank (list for mortgages and consumer targeted and non-targeted loans):

• Passport;
• Second document to choose from: driver license, foreign passport, SNILS or pension certificate;
• Loan agreement, which was issued in the previous bank;
• To increase the chances of reissuing a loan, you can provide a document on the client's solvency: an extract from bank account for three months, title for a car, CASCO policy or VHI policy.

In addition, representatives of a banking organization may require an extract on the balance of debt on a loan from another bank or an application for early repayment loans. If old loan agreement contains such a restriction as “the impossibility of early repayment”, an individual will not be able to refinance such a loan anywhere.

After submitting an online application for refinancing a loan at Home Bank potential client the employee calls back (within 1-5 days) and announces the preliminary decision of the bank. The financial institution makes the final verdict after considering the entire package of documents that the individual submits directly to the office of the financial institution. When the application is approved, a loan agreement is signed, and a new creditor is already involved in repaying the old debt.

It should be noted that the money to repay the loan in another bank is credited to the organization's account within five days.

In Home Credit Bank, refinancing of loans can be received by individuals who have debts to others banking organizations. This is a profitable and convenient service that is popular. It makes it possible to significantly reduce the interest rate, saving a significant amount on payments.

What refinancing conditions apply at the bank, as well as how beneficial such an offer is for you, we will learn from this article.

Conditions for refinancing loans at Home Credit Bank for 2019

A unique service allows people to pay off debt at the expense of another credit institution at profitable conditions for yourself. Refinancing at Home Credit Bank is designed to "save" borrowers from excessive high stakes and huge monthly payments. In 2019, the organization offers refinancing at two rates- "Bank client" and " New client».

The first proposal, as the name implies, is designed for people who already have home credit bank account. The following conditions apply to them:

Conditions tariff plan"New client" differ significantly from the first. They are the following:

The service allows you to issue on-lending of your consumer loans issued for personal needs, for the purchase of a car, for a mortgage. Worth noticing that the offer cannot be used by corporate and payroll clients organizations.

Requirements for the borrower

As in many others financial institutions, there are special requirements for Home Credit Bank customers. They allow you to protect the company from unscrupulous payers.

Refinancing in Home Credit Bank is received by people who have:

1. Citizenship of the Russian Federation.
2. Permanent residence permit on the territory of the country.
3. Good credit history.
4. Seniority last job for at least 3 months.
5. Regular income.

Besides individuals are also presented age requirements. People aged 22 to 70 receive on-lending.

This service is also available to retirees. if they fit within the above age range.

Home Credit Loan Refinancing Calculator

It often happens that loans received from other banks become a heavy burden for people. In these situations, Home Credit Bank is able to simplify the life of borrowers by offering them a refinancing service. To decide how favorable the terms of refinancing are for him, a person can use a special calculator.

It is freely available on the official website of the company. The online calculator allows you to calculate your loan. The borrower simply needs to indicate the amount of his loan, as well as the term of the loan.

Instantly the calculator will determine:

• The amount of the monthly payment.
• new interest rate.
• The amount of the overpayment for the entire period.

By evaluating this data, you can quickly understand how much more profitable This is an offer from Home Credit. The calculator is free to use.

Registration of refinancing in Home Credit

After evaluating all the advantages of the offer, borrowers can only apply for refinancing loans from other banks in Home Credit. You can do this either in person by visiting the branch, or remotely by submitting an application through the official website.

In the first case the person must come to the bank office. Company member:

You do not need to make an appointment with a bank specialist in advance. The application process only takes a few minutes.

If you do not want to go to the bank, then you can apply online at any time. You just need to fill out a virtual document on the site Home Credit.

It needs to specify:

• Last name, first name, patronymic.
• Date of birth.
• Passport data.
• Working mobile phone number.
• E-mail address.
• Your monthly income.

Immediately after reviewing the online application, will contact you representative of the company. He will clarify the information and announce the decision of the organization. In the future, the client will need visit the office to sign all the papers.

Required documents

Before visiting the office in order to apply for refinancing, a person must collect a number of documents. To review a loan to an individual Must have with me:

• Passport.
• Certificate 2-NDFL or an extract from the salary account.
• An agreement that was concluded in another bank.

None additional documents not required. This package of papers is enough for the organization to make a decision to refinance the loan.

Additional features

In addition to a favorable interest rate and a reduction in the size of the monthly payment, customers who have refinanced a loan at Home Credit Bank have the opportunity to use convenient additional services companies.

They can take out insurance. Convenient service helps protect you from unforeseen situations. It will be needed if a person for various good reasons can't take anymore pay off the loan. So, if he became very ill, lost his ability to work or received a disability. In these situations, the organization itself will pay the debt to the Home Credit bank.

One of the most popular services was and remains SMS informing. This is the maximum convenient way always be aware account balance. Messages come to mobile phone immediately after any banking operation.

Those who have refinanced at Home Credit Bank may need the service of rescheduling the payment date. It allows you to change the date when you need to make a mandatory monthly payment. You can use it once for free.

Where is refinancing more profitable?

Before deciding whether to transfer a loan to another bank, you need to make sure that the selected offer is really the most beneficial for you.

The refinancing service is provided not only by Home Credit Bank. Similar offers are valid in many other financial institutions operating in the country.

Promsvyazbank offers refinancing under such conditions:

The organization also offers lower the rate by 0.5% if the loan is issued online. It is possible to get a reduction of 3% if a person purchases insurance and during its use will not overstay not a single payment.

Refinancing in Alfa-Bank is also carried out. The organization offers:

The company makes it possible not only to transfer a loan from other banks, but also get extra money on hand in cash. The amount of the bet does not change, even if you purchase insurance.

Useful video:

The service is also provided by Rosselkhozbank. He refinances consumer loans, mortgage, car loans. Clients can unite several deputies in one. The service is provided under the following conditions:

Often they turn to VTB for a service. The Bank provides the refinancing service in 2019 on the following terms:

As in others VTB banks provides special conditions for some clients.

So the rate reduction is available for individuals who use the Multicard.

Advantages and disadvantages

Comparing the offer of Home Credit with others, we can say with confidence that this is a profitable solution. Does it have any downsides? Undoubtedly! For example, a bank does not refinance loans issued by them. However, the advantages of the service at times exceed all the disadvantages.

The pluses include:

1. Fixed rate.
2. Quick clearance.
3. Possibility of applying online.
4. Loyal demands to clients.
5. Getting a loan without guarantors and collateral.

The service is provided on the territory of Russia and Kazakhstan. In addition, the bank, in comparison with other companies, has a number of secondary advantages. It requires the borrower minimum package documents, does not take account opening fee or remittance.

An important advantage is that the bank provides refinancing of loans for which only three payments have been made. Other companies do not review loans received earlier than a year ago.

Home Credit Bank, along with others largest banks Russia, offers citizens to refinance loans. This is a profitable service that allows you to close a previously taken loan at the expense of a newly issued one. New loan at the same time, it will have more favorable conditions, so the borrower wins, he can reduce the interest rate, the total overpayment, change the amount of the monthly payment and the term of the loan.

Refinancing at Home Credit Bank

It absolutely does not matter which bank issued this loan earlier, after the refinancing, the borrower will already owe Home Credit. What does this bank offer to the borrower and on what conditions does it issue?

Requirements for the borrower and documents

Home Credit does not set any requirements for the borrower, the issue of refinancing is decided individually. It is envisaged that if another bank previously approved a loan for a borrower, then this client can become a borrower.

To apply for refinancing at Home Credit Bank, you will need the following documents:
- passport;
- the second document to choose from: rights, pension, passport, insurance certificate;
– a document on solvency is also optional: an extract from the borrower’s salary or simple debit account for the last three months, vehicle registration certificate or Certificate of registration (car no older than 5-7 years), CASCO policy, passport with notes on the borrower crossing the border in Last year, property ownership documents, VHI policy;
- a loan agreement concluded in another bank;
- it is desirable to provide a schedule of monthly payments;
- a statement of the amount that will constitute early repayment;
- an application for early repayment completed at the original creditor bank.

What loan can be refinanced at Home Credit Bank?

You can refinance any type of loan in this bank:
— target loan for the purchase of goods;
— cash loan;
- car loan;
- Mortgage is also subject to refinancing in Home Credit.

The main and only requirement of the bank for a refinanced loan is that at least three monthly payments must be made on it.

Rate, amount, and term of Home Credit refinancing

Main parameters:
- the rate for on-lending will be fixed - 19.9% ​​per annum. This is a very favorable value, given that the bank does not require a certificate and income from the client;
- the amount of issue - within the limits of 50,000-50,000 rubles, in any amount multiple of 1000;
– you can draw up a contract for 12-60 months, step – 3 months.

An example of calculating Home Credit refinancing

1. You have an active loan in another Bank:

— The rate is 28% per annum;
— The loan amount is 250,000 rubles, the balance of the principal debt on the loan is 188,346 rubles;
- You took a loan for three years, two years remain until the loan is repaid;
— Your monthly payment to the Bank is 10,331 rubles.

2. You apply to Home Credit Bank and receive the following conditions:

— Loan rate of 19.9% ​​per annum;
— Loan term 24 months;
- The monthly payment will be only 9,567 rubles.

Your savings on the loan for 24 months will be 18,336 rubles.

The borrower receives many benefits by refinancing at Home Credit Bank. Most often, it is carried out in order to reduce the rate and overpayment, but it can be used for other purposes. For example, if debt load By current loan is very high, then you can choose a longer refinancing period, then the monthly payment will be less. Also, this service can be used to remove the encumbrance from the pledge, if you are refinancing a mortgage or car loan. In this case, you do not need to transfer collateral to Home Credit.

Application for refinancing in Home Credit

After concluding an agreement with Home Credit for refinancing, the old loan is repaid ahead of schedule and the borrower will have contractual relationship with this bank.

In the presence of a loan, everyone strives in every possible way to reduce overpayments on it. Clients follow the change interest rates and respond promptly. That is why the loan refinancing service at Home Credit Bank is so popular. This procedure is available to almost every client of any bank.

In order to refinance a loan at Home Credit Bank, individuals must provide a standard package of documents:

• passport;
• a copy of the work book;
• income statement;
• a certificate from the current bank on the amount of the remaining debt and the absence of delays.

If all the documents are collected, it remains only to choose a suitable loan refinancing program at Home Credit Bank for loans from other banks. You can study all the conditions for 1 programs available in the amount of 10,000 - 1,000,000 rubles right on this page, and use the calculator to calculate a loan for your individual conditions. Additional information can be found on the official website of the bank.