Terms of mortgage refinancing at Surgutneftegazbank. Refinancing of consumer loans from Surgutneftegazbank Surgutneftegazbank Refinancing of loans from other banks

Surgutneftegazbank mortgage refinancing is designed to solve the problems of a borrower with a mortgage loan. The offer can be used by both clients who have difficulties with repayment (but there are no delinquencies yet), and those who want to improve credit conditions. Re-crediting at Surgutneftegazbank is possible under two programs. One of them is intended exclusively for mortgage loans, the other is for any other.

Conditions for refinancing loans at Surgutneftegazbank

Refinancing of mortgages in Surgutneftegazbank is carried out under the "Alternative - real estate" program. It is designed with the needs of mortgage borrowers in mind. Its feature is a long loan term. The life and health insurance of the borrower is carried out at his request. Issued with security, which is immovable property. Obligatory insurance of the pledged object.

Conditions for refinancing a mortgage loan:

interest rate - from 9.5%;

loan term - up to 30 years;

loan amount - up to 8 million rubles.

The interest rate increases by 1% in the absence of personal insurance for the borrower. It is also necessary to confirm without fail that the loan in another bank has been repaid. To do this, the borrower is given 62 days, during which the rate is 1% higher. After the provision of supporting documents, it decreases. If there is no confirmation after 62 days, the bank reserves the right to increase the loan rate by 5%.

Surgutneftegazbank has another program - the Alternative loan. It is intended for on-lending consumer loans, but it can also be used to pay off mortgages. The rate for such a loan is higher and depends on the term of the loan, the category of borrowers, but often it is lower than the interest rate on a mortgage in another bank.

Terms of provision:

loan amount - up to 750 thousand rubles;

interest rate - from 13%;

the maximum term is up to 10 years.

Despite the fact that the amount and term for this program is much lower, for a number of borrowers it may be of interest, since it does not require collateral. This means that with such on-lending, the encumbrance will be removed from the mortgage real estate and it will become available for sale, exchange or other operations.

Surgutneftegazbank can also refinance its own loan - for this, the client needs to come to the bank's office and write an application for revising the rate on the existing loan. From the documents you will need a certificate of income and a copy of the work book, information about other loans (if any). The bank may refuse the service.

List of required documents

In order to issue the refinancing of loans from Surgutneftegazbank, it is necessary to submit to the bank the documents that are needed to consider the application:

statement;

passport of a citizen of the Russian Federation;

documents confirming income (2-NDFL, account statement, you do not need to provide anything to salary clients);

a copy of the work book (employment contract), certified by the employer;

an opinion on the appraisal of real estate by an independent expert;

documents for a refinanced loan (loan agreement, repayment schedule, certificate of debt status, no overdue debt for the entire crediting period).

In case of mortgage lending, documents are additionally submitted for the real estate itself (similar to those on the basis of which a mortgage is issued in the CISB). After receiving the main package of documents, the bank considers them, in some cases it may request additional ones.

To apply for refinancing at Surgutneftegazbank, you must submit an application on the website, at a branch or by phone. The bank will consider the possibility of allocating a tranche for on-lending and will take an appropriate decision. If it is positive, you will need to prepare a package of documents and contact the nearest office to complete the transaction.

The bank examines the documents provided, if necessary, require additional ones, conduct a conversation with the borrower. After the interest rates are agreed and the deal is approved, an agreement is signed

A citizen of the Russian Federation at the age of 21 at the time of registration of the transaction and up to 70 years at the time of its maturity can receive it. Compulsory employment, work experience at the current place of work - at least 6 months. There are no restrictions on the employing company. The minimum salary for a loan is 15 thousand rubles net of taxes.

Separate requirements are put forward for real estate with a mortgage loan:

not older than 40 years from the date of construction;

housing must be located in the region of the bank's presence;

the house should not be demolished;

Wooden and phenolic houses are not accepted as collateral.

The refinanced loan must not be overdue during the crediting period, the amount of the balance on it and the fact that there is no delay must be documented.

In order for the borrower to independently calculate the amount of the loan payment, its overpayment and assess the economic efficiency for himself, a special service is implemented on the site - a loan calculator. It is enough to enter the initial parameters of the loan in the appropriate fields and the system will instantly calculate.

Refinancing refers to the registration of a loan in order to repay a loan from a third-party bank. In 2020, almost all financial institutions operating in the retail lending segment offer refinancing programs. Surgutneftegazbank is no exception.

The main difference between a refinancing loan and a standard requirement is the existence of a condition for the targeted use of borrowed funds. The money must be spent on repaying the loan and the contract with the original lender is closed.

If you want to lower the interest rate on an existing loan, change the amount of monthly payments, increase the loan term, or simply combine several loans into one, an excellent solution may be to apply for a loan to repay the previous one at Surgutneftegazbank.

Features of refinancing loans from other banks in Surgutneftegazbank

The bank offers 1 option for refinancing consumer loans from other banks on the following conditions:

• under 10.75 - 19.50%;
• the borrower must be of legal age;
• be sure to have Russian citizenship.

To fully appreciate the terms of refinancing, you can apply. Just enter the desired amount and term, and the site will calculate everything by itself. So you can find out the amount of the monthly payment and the amount of the overpayment for the entire period.

How can you apply for on-lending at Surgutneftegazbank?

Forming an online application will take you no more than 20 minutes. Open the page with the desired loan, click "Apply", fill out the form and send your application. You will be contacted within 24 hours and the bank's decision on the requested refinancing will be announced.

If you have a consumer loan in another bank, and you are forced to pay a high interest on it, Surgutneftegazbank offers to use the loan "Alternative" and at the expense of it to pay off the obligation to another bank, while paying a lower interest rate.

Interest rates

* If you do not issue an insurance policy for the risks of "Accident, illness" for the entire term of the loan, the interest rate increases by 2% per annum.
When the corresponding insurance policy is drawn up outside of JSC BANK SNGB, the interest rate increases by 1.5% per annum.
For salary Clients / salary Clients of "state employees" the size of the interest rate is reduced by 1.6% per annum.

Conditions

Annuity payments in the loan agreement are equal monthly payments during the entire term of the loan (except for the first and last months), paid on account of the loan repayment and interest on it. The total number of payments is determined as the number of months until the final maturity of the loan, starting from the first month of repayment.

The borrower's compliance with the established requirements is not the obligation of the bank to issue a loan.

For individuals - employees of PJSC "Surgutneftegas" and its subsidiaries who have an account with the Bank, to which funds are credited in the form of wages.

Refinancing is a new loan, which is issued in order to repay the existing one. This action refers to the target, since it is carried out with the specific purpose of repaying the existing debt. To control the funds issued, many banks require documentary evidence of the use of finance in the direction that is stated. As a rule, the lending rate depends on the purpose of the loan. Mortgage refinancing at Surgutneftegazbank is available to customers who not only have problems with repaying existing loans, but also want to improve the current criteria for repayment. Re-crediting in the SNGB is possible in two directions - exclusively for mortgages and for other purposes.

Conditions for refinancing loans at Surgutneftegazbank

Re-lending is a convenient solution to issues that have arisen as a result of the assimilation of funds received from the bank. Many financial institutions have such programs, but their proposals differ. Before deciding on interaction with bankers, it is more correct to study the proposed conditions and choose the best profitable option.

Refinancing of mortgages in the SNGB is implemented by the "Alternative" program, which provides for the closure of a consumer loan, and the "Alternative-real estate" product - the repayment of the mortgage.

When developing, bank analysts studied the needs of borrowers and brought conditions closer to mutually beneficial for the parties. The main characteristics of the bank's proposals are presented in the table.

* in the absence of personal insurance, the rate increases by 1%;

** depends on the duration of the relationship with the bank, the presence of a salary account with Surgutneftegazbank, and the absence of papers confirming the purpose of the loan.

A prerequisite for both products is confirmation of closing the loan in another financial institution. For this, the client is given 62 days. The applicant is interested in the early cancellation of the agreement in another institution, since during the time for the provision of confirmation of this process, a rate increased by 1% is in effect. After submitting confirmation papers, it is automatically reduced. If confirmation is not submitted after the expiration of the regulatory period, the bank increases the rate by 5%.

To apply for a loan in the SNGB for the purpose of repaying another other loan, you must meet the following requirements:

• age from 21 to 70 years;
• work experience of at least six months;
• availability of wages in excess of 15 thousand rubles.

Surgutneftegazbank presents an opportunity for mortgage refinancing

When working with the "Alternative-real estate" offer, real estate is subject to separate conditions:

1. The date of commissioning of the subject of crediting is not earlier than 40 years ago.
2. The dwelling is located in the region of presence of any branch of the CISB office.
3. The capital structures of the facility are not made of wood.
4. The house is not officially recognized as emergency and cannot be demolished.

List of required documents

The requirements of the financial institution for the implementation of returnable relief should be documented with such papers:

• a copy of a civil passport;
• a 2-NDFL certificate issued by the date no later than a week ago, when servicing a salary card in the SNGB, there is no need to provide this confirmation;
• a copy of the loan agreement drawn up with another bank;
• a document on the balance of debt on a third-party loan;
• a certificate of absence of violations of credit discipline;
• an appraisal act for real estate (an important condition is the presence of accreditation from the company that will provide this act).

The package of documents must be submitted together with a handwritten application.

Surgutneftegazbank has the ability to refinance its own loan. To implement this offer, the client must contact the bank with a written application for revising the rate under the current agreement.

In this case, you will need:

1. Certificate of income.
2. A copy of the work book, certified by the employer.
3. Information about other credits (if any).

To receive funds, you must collect the required documents

The list of documents is not exhaustive and after consideration by the special department, it is possible that something else will be requested. However, the refinancing service at Surgutneftegazbank may be refused.

The mechanism for applying for on-lending in the SNGB in 2018 is not complicated and is presented in several ways:

• during a personal visit to the office of the institution;
• by filling out an application on the official website of the bank;
• when communicating with a specialist of a financial institution by phone.

When implementing any of these methods, registration of an application is not yet a positive decision for the applicant. First, the bank considers the possibility of allocating a tranche on the received application, and then makes an appropriate decision. If it satisfies the client's request, then you need to contact the office of the institution with a prepared package of documents and proceed with the transaction.

For the convenience of the client in the matter of self-calculating the amount of the monthly mortgage transfer, as well as assessing the economic efficiency in case of overpayment, a special service is posted on the official portal of the SNGB - a loan calculator. To work with it, it is enough to enter the product data and the necessary information in the appropriate fields - the system will instantly display a detailed calculation.

Step-by-step registration procedure

The bank's specialists make the decision to reissue repayable funds without delay. And the whole process from filing an application to issuing money takes a little time.

You can apply for a new loan during a personal visit to a bank branch

Having dealt with the application and received approval for the possibility of on-lending, the applicant must take the following steps:

1. Submit the required documents to the specialist of the credit department for examination.
2. If necessary, make additions to the application for facilitating the return.
3. Conduct a conversation with a bank representative to agree on the proposed rate and repayment terms.
4. Wait for the approval of the transaction from the management of the financial institution.
5. Sign an agreement mutually.

You should know! The refinanced turnover should not be overdue during the crediting period.

The repayment amounts are paid on an annuity basis. Mandatory payments are made at the bank's offices using online banking or terminal payments.

Pros and cons

The "SNGB Refinancing" program has its advantages and disadvantages. The pluses include:

• a decrease in the volume of monthly payments and additional expenses for maintaining an account due to an increase in the loan term;
• the possibility of changing the currency of mandatory payments;
• merging loans into a single agreement to streamline relations with bankers;
• lowering the rate if there are proposals in the SNGB with attractive criteria than those available in the existing agreement;
• the exclusion of collateral, since after the conversion of the contract, all real estate passes into the possession of the citizen, it is not prohibited to carry out transactions with it.

Before taking funds, you should weigh the pros and cons

The loan is issued in cash, but the disadvantage is that the rates for such a loan are higher.

Having familiarized yourself with the positive side of on-lending, you should have an idea of ​​the cons of the action. We can immediately stipulate that working with small loans is not profitable for the applicant. Interest is palpable in the presence of large lending for a long period.

The disadvantages of ease of return are:

1. Additional costs incurred by the borrower for the payment of the commission of the new lender for the provided service, and for the preparation of the necessary documents for the presentation of new documents.
2. Limitation in the number of loans, since only 5 loans can be combined.
3. To facilitate the return, you need to obtain the consent of your lender's bank. Not every financial institution does not object to assign a client to another institution, as well as to ease the criteria for borrowed funds, so it is difficult and tedious to get the required paper.
4. When applying for a pledged loan, bankers require a revaluation of the property and insure it - and this is a significant cost.
5. The presence of a moratorium on the cancellation of a loan agreement before the specified period, which is present in all financial institutions, implies a fine for such actions. Therefore, before initiating refinancing, it is important to calculate how much it will cost to pay these sanctions.

Possible reasons for refusal

Financial institutions, regardless of jurisdiction, have individual categories of lending. And the criterion for refusal in these establishments is their own policy. They can be combined as the most common for everyone:

• the nature of the job seeker - people who belong to risky jobs are usually excluded;
• the presence of delays in small payments (fines, utilities, taxes);
• frequent real estate transactions;
• age criteria;
• the presence of a criminal record or responsibility for investigation.

A loan may be refused

If bankers refuse to cooperate, then you should calmly assess the criteria for this refusal and identify weaknesses in your history. If possible, exclude these moments and try again. As a rule, one of the ways to achieve justice is to file a complaint with the bank, but the chances of success of this action are minimal.

It is more expedient to contact another financial institution. But it should be remembered that on the basis of specialized programs, banks have the opportunity to assess a potential client. Based on these data, a credit history is drawn up about the honesty of the applicant in making payments.

Refinancing requires an informed decision from the citizen. Financial analysts recommend carrying out this action, since they define it as beneficial, but at the same time carefully weighing all the pros and cons in accordance with the personal financial situation.

The decrease in mortgage interest rates will be discussed in the video: