Loan "Alternative" (refinancing). We reduce payments

In 2020, refinancing of mortgage loans in the SNGB is carried out under the Alternative Real Estate program. You can refinance any housing loan issued by a third-party credit institution, the collateral for which is residential real estate.

Refinancing terms

Mortgage refinancing in the CISB is carried out on the following terms:

• residential real estate is accepted as collateral;
• apartments or private houses in phenolic or wooden buildings are not accepted as security;
• the maximum term of the contract is 30 years;
• to be issued - up to 8 million rubles.

Important! A residential facility is understood as a fully isolated room that meets sanitary, technical and fire safety standards. It should be designed for permanent residence of people.

Mortgage refinancing at Surgutneftegazbank

Residential Properties

Contract time

Maximum 30 years

Maximum amount

8,000,000 rubles

* - private houses do not participate in the program

The base rate is 9.5% per annum. The following surcharges may apply:

• +5% is set from the 62nd day, if the client does not confirm the intended use of the received borrowed funds;
• +1% until the submission of documents on closing the previous mortgage loan;
• +1% if you refuse voluntary life and health insurance.

Obligatory registration of property insurance against loss or damage to housing. After refinancing at the address of the collateral object, the borrower and co-borrowers have the right to register close relatives. The spouse of the main borrower also participates in the transaction as a co-borrower. Separately, it is worth noting that when calculating the maximum amount to be issued, the bank does not take into account payments made on the primary mortgage.

Requirements for borrowers and real estate

To apply for refinancing in the SNGB, the client must:

1. Have Russian citizenship.
2. Be over 21 years old and under 70 years old (at the end of the refinancing agreement).
3. Confirm the availability of monthly earnings in the amount of more than 15 thousand rubles.

Requirements for the borrower

Citizenship

Over 21 years old and under 70 years old

Monthly earnings

More than 15,000 rubles

* - all requirements must be met

There are no specific requirements for the employer company, but there is a condition for the borrower's length of service: from six months or more.

A refinanced residential property must also comply with bank requirements:

1. Less than 40 years should have passed since the construction.
2. The house or apartment must be located in a city where there is a branch of the SNGB.
3. If on-lending is issued for housing under construction under an equity participation agreement, the facility and the developer must obtain accreditation and be included in the list of partner companies of Surgutneftegazbank.

What documents are required

To consider an application for a mortgage loan, the client submits to the bank:

• Application form. It is filled in by all participants in the transaction: the borrower, co-borrower, guarantors.
• Civil passport and its copy.
• Documentary evidence of the income of the borrower / co-borrowers / guarantors: 2NDFL, certificate in the form of the employer. Payroll card holders are not required to provide paperwork on monthly income.
• Registration certificate or military ID (for males of military age - 21–27 years).
• If there are other credit obligations to other banks - the history of the agreement, the payment schedule.
• A copy of the work book or contract to confirm the length of service and position, if these data are not reflected in income statements.

In private, to form a decision on the issuance of funds, the bank may request other papers and certificates.

It is also necessary to collect documents about the collateral object. The basic package includes:

• Title and title papers: equity participation or sale and purchase agreements, certificate of state registration, if the object of security is a private house - documents for the plot, cadastral plan).
• Technical documentation for housing.
• An extract from the BTI about the object, if the registration certificate does not contain a mark on the examination.
• Certificate of all citizens registered at the address of the object, issued no earlier than 30 days before the date of execution of the mortgage agreement.
• The consent of the spouse (s) to the transaction, certified by a notary (provided if the real estate is registered in joint ownership).
• Permission from the guardianship authorities, if one of the owners is a minor.
• Mortgage draft.

Important! The powers of the mortgagor can be transferred to another person if you draw up a notarized power of attorney for the right to represent the interests of the borrower. Additionally, a copy of a civil passport will be required from a third party.

If another living space is pledged as a pledge, documents about it are also provided. If necessary, the loan officer will notify you of other papers that will be required.

General procedure for obtaining and servicing a loan

To receive funds under the SNGB refinancing program, the client must submit an application. This can be done on the official website of the bank through an online form or by contacting a branch in person. In the latter case, it is recommended to immediately prepare all the papers and certificates in order to fill out the application form and wait for a response. The decision on the online application is preliminary only.

Bank employees study the package of documents prepared by the borrower, if necessary, request additional paperwork and invite the applicant for an interview. After receiving a positive decision from the CISB, a refinancing agreement is signed. Then the bank transfers money to pay off the existing debt, and the mortgage on housing is reissued. Within a month, you need to sign a property insurance contract.

After all organizational issues are resolved, the borrower begins to repay a new loan. All legal relations with the previous creditor bank are terminated. However, under the terms, the borrower must submit documents that confirm the closure of the previous mortgage agreement, otherwise the loan rate will increase.

Important! Full or partial early closure of the debt is provided. The operation is carried out according to one of two schemes: without prior notice or on the date of the planned monthly installment.

Advantages and disadvantages of refinancing mortgages in the CISB

Like any loan, on-lending from the CISB has its pros and cons. The benefits include:

• Wide age range in customer requirements.
• Calculation of the maximum loan amount, excluding installments on current debt.
• It is possible to issue funds in foreign currency in a non-cash form, including refinancing of foreign currency mortgages.
• You can get money in cash, but only in rubles. For this reason, there is a need to confirm the payment of the primary contract.

The disadvantages of cooperation include the requirements for minimum earnings and a relatively small amount to be issued.

Refinancing is a new loan that is issued in order to pay off an existing one. Such an action is targeted, since it is carried out for the specific purpose of repaying an 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 credit rate depends on the intended purpose. Mortgage refinancing at Surgutneftegazbank is available for clients who not only have problems repaying existing loans, but also want to improve their current repayment criteria. Refinancing in the SNGB is possible in two directions - exclusively for mortgages and for other purposes.

Conditions for refinancing loans at Surgutneftegazbank

On-lending is a convenient solution to issues that have arisen as a result of the development of funds received from the bank. Many financial institutions have such programs, but their offers vary. Before making a decision on interaction with bankers, it is more correct to study the proposed conditions and choose the optimally profitable option.

Mortgage refinancing in the CISB is implemented by the "Alternative" program, which provides for the closing of a consumer loan, and the "Alternative-Real Estate" product - mortgage repayment.

When developing, bank analysts studied the needs of borrowers and brought the 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 in Surgutneftegazbank, and the absence of papers confirming the purpose of the loan.

A prerequisite in both products is confirmation of closing a loan in another financial institution. The client has 62 days to do this. 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, an increased rate of 1% applies. After the submission of supporting papers, it is automatically reduced. If the confirmation is not submitted after the end of the regulatory period, the bank increases the rate by 5%.

To apply for a loan in the SNGB in order to repay another loan, you must meet the following requirements:

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

Surgutneftegazbank presents an opportunity to refinance a mortgage

Separate conditions are imposed on real estate when working with the "Alternative-property" offer:

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

List of required documents

The requirements of the financial institution for the implementation of reimbursable relief should be documented with the following papers:

• a copy of the civil passport;
• certificate 2-NDFL, issued 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;
• certificate of absence of violations of credit discipline;
• appraisal act for real estate (an important condition is the availability of accreditation from the company that will provide this act).

A package of documents must be submitted along with a handwritten application.

Surgutneftegazbank has the opportunity to refinance its own loan. To implement this proposal, the client needs to apply to the bank with a written application to revise the rate under the current agreement.

In this case, you will need:

1. Income statement.
2. A copy of the work book, certified by the employer.
3. Information about other loans (if any).

To receive funds, you must collect the required documents

The list of documents is not exhaustive and after review by a special department, it is possible that something else will be requested. However, the service "refinancing to Surgutneftegazbank" may be denied.

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

• when visiting the office of the institution in person;
• by submitting an application on the official website of the bank;
• when communicating with a financial institution specialist by phone.

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

For the convenience of the client in the issue of self-calculation of the amount of the monthly mortgage transfer, as well as the assessment of economic efficiency in case of overpayment, a special service is posted on the official SNGB portal - 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 procedure

The decision on reissuing refundable funds is made by the bank's specialists 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 credit department specialist 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 by the management of the financial institution.
5. Mutually sign an agreement.

Should know! The turnover to be refinanced must not be in arrears during the crediting period.

The repayment amounts are paid according to the annuity scheme. Mandatory payments are made at the bank's offices, using online banking or through terminal payments.

Pros and cons

The program "SNGB refinancing" has its positive aspects and disadvantages. The advantages include:

• reduction in the volume of monthly payments and additional costs 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 CISB with attractive criteria than those available in the existing agreement;
• the exclusion of collateral encumbrance, since after the re-profiling of the contract, all real estate passes into the possession of a 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 downside is that the rates for such a loan are higher.

Having familiarized yourself with the positive side of on-lending, you should also have an idea about the disadvantages of the action. We can immediately stipulate that working with small loans is unprofitable for the applicant. Interest is palpable in the presence of large lending for a long period.

The disadvantages of facilitating returns are:

1. Additional costs incurred by the borrower for the payment of the commission of the new lender for the service provided, and for the preparation of the necessary documents for the presentation of new documents.
2. Limitation in the number of loans, since it is really possible to combine only 5 loans.
3. To facilitate the return, you need to obtain the consent of your lender's bank. Not every financial institution does not mind assigning a client to another institution, as well as easing the criteria for borrowed funds, so getting the right paper is difficult and tedious.
4. When applying for a secured loan, bankers require that the property be re-valued and insured - and these are significant costs.
5. The presence of a moratorium on the cancellation of a loan agreement before the regulated 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 for these sanctions.

Possible reasons for refusal

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

• the nature of the applicant's activity - people belonging to risky types of work are usually excluded;
• the presence of delays in small payments (fines, utilities, taxes);
• frequent real estate transactions;
• age criteria;
• having a criminal record or criminal record.

Credit may be denied

If bankers refuse to cooperate, then you should calmly evaluate the criteria for this refusal and identify weaknesses in your history. If possible, eliminate these points and retry. As a rule, one way to achieve justice is to file a complaint against the bank, but the chances of success in this action are minimal.

It is better to apply to another financial institution. But it should be remembered that on the basis of specialized programs, banks have the opportunity to evaluate a potential client. Based on these data, a credit history is drawn up on the conscientiousness of the applicant in making payments.

Refinancing requires a balanced decision from a citizen. Financial analysts recommend this action, as 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 video will tell you about lowering the interest rate on mortgages:

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

Features of refinancing loans from other banks in Surgutneftegazbank

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

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

To fully evaluate 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 I 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 the application. Within 24 hours you will be contacted 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 rate on it, Surgutneftegazbank offers to use the Alternative loan and use it to pay off the obligation to another bank, while paying a lower interest rate.

Interest rates

*In case of non-execution of the insurance policy on the risks "Accident, illness" for the entire term of the loan, the interest rate increases by 2% per annum.
When issuing an appropriate insurance policy outside of JSC BANK SNGB, the interest rate increases by 1.5% per annum.
For payroll Clients / payroll Clients of state employees, the interest rate is reduced by 1.6% per annum.

Conditions

Annuity payments in the loan agreement are understood as equal monthly payments throughout the entire term of the loan (except for the first and last months), paid to repay the loan and pay interest on it. The total number of payments is defined as the number of months until the final repayment date of the loan, starting from the first month of repayment.

Compliance of the borrower with the established requirements is not the obligation of the bank to issue a loan.

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

Surgutneftegazbank offers the opportunity to refinance an existing loan in a third-party bank, reducing the amount of the total overpayment on it. The bank offers lower interest rates to reduce the monthly loan burden.

The benefits of the program. The advantage of on-lending at the Bank is the opportunity to obtain a loan for up to 10 years (for example, in Sberbank and VTB - up to 7 years). In addition to a loan to repay third-party loans, the borrower can receive an additional loan for any consumer purpose. Holders of salary cards of Surgutneftegazbank can apply for refinancing with a preferential interest rate.

Minuses. Also, the Bank's on-lending program has some limitations. Surgutneftegazbank does not offer refinancing of domestic loans. You can refinance only a loan issued in Russian rubles. The number of regions of the Russian Federation in which the Bank provides loans is limited. The refinanced loan must be issued no later than six months before the application is submitted. It allows for delays of up to 1 month (no more than 5).

Documentation. To consider an application for refinancing, Surgutneftegazbank requests the following documents:

• Passport of a citizen of the Russian Federation;
• Military ID (for men under the age of 27);
• Primary loan agreement and repayment schedule;
• A document containing complete information about the nature of the credit history (not required if there are no delays on the refinanced loan);
• A document certifying the fact of employment: a copy of the work book or certificate of current work experience;
• A document certifying the applicant's income level for the previous six months: certificate 2-NDFL or according to the model of the employer organization.

borrower requirements. A citizen of the Russian Federation aged 21 (at the time of application) to 70 (at the time of full fulfillment of obligations under the agreement) who is registered (on a permanent basis) in the territory of the region served by the Bank's division can receive a loan under the Surgutneftegazbank refinancing program. The length of service at the current place of work must be at least six months, while there are no restrictions on the form of the employing company. The applicant must have a stable monthly income of over 15,000 rubles.

Program conditions. The interest rate on a loan from Surgutneftegazbank depends on the loan term. Loan collateral is provided at the request of the Bank. Insurance is connected voluntarily, refusal to issue it is not a reason for the Bank's refusal to issue credit funds. The loan is repaid by making monthly equal (annuity) payments.

How to send an application? On the official website of Surgutneftegazbank, the opportunity to submit a preliminary online application for refinancing has been implemented. To apply for a loan, the applicant must visit any branch of the Bank. After the borrower provides the required package of documents, the Bank reviews the application and makes a final decision on it within 1-3 working days. Within 1 day after the issuance of credit funds, the borrower must make full early repayment of refinanced loans, and within 2 days - submit documentary evidence of such repayment to Surgutneftegazbank.