Refinancing a loan from UniCredit Bank. Refinancing to Unicredit Unicredit mortgage refinancing
Sometimes the borrower finds himself in a difficult financial situation, loan payments become an unbearable burden, and failure to pay the mortgage threatens the loss of housing. Looking for a way out of the impasse, the debtor, despite the dubious reviews about ways to overcome the crisis, should definitely consider the option of refinancing. Mortgage refinancing at UniCredit Bank – good decision question. All the most important information and details about the offer in the article.
What is mortgage refinancing
Mortgage refinancing is quite legal way decide financial difficulties debtor. The essence of the procedure is as follows: if the mortgage conditions of other banks cease to satisfy the borrower (excessively large monthly payment or too high interest), UniCredit Bank issues a mortgage to the debtor on new terms to repay the old one.
After paying off with another bank, the client begins to repay the UniCredit debt on new terms. Reviews say that this method of helping to deal with debt is the most reliable, as it allows you to avoid the accumulation of colossal fines for non-payment.
On what exact conditions and to whom does UniCredit Bank refinance mortgages from other banks? When deciding to reborrow a mortgage, it is worth studying the nuances of the offer in detail.
Conditions at UniCredit Bank
The conditions for refinancing mortgages from other banks with UniCredit provide not only for debt repayment, but also for the issuance of additional funds in excess of those necessary to repay the primary loan. Lending occurs according to the following rules:
- There are 2 mortgage terms: 30 and 15 years. The first applies if there is an official purpose of lending related to living conditions: purchase, construction or renovation of housing. The second is if the purpose of the loan is not specified, but the real estate is pledged.
- UniCredit refinances mortgages exclusively on the security of housing property, but the obligation comes into force after the repayment of the primary debt.
- The size of the loan that you can count on is determined by the type of property being pledged as a share of their value: for apartment type with targeted loan– 80%, without a declared goal – 70%, for a separate house – 50%.
- The annual rate remains unchanged throughout the loan period.
- Russian citizenship is not a mandatory requirement for the borrower.
After reading the general conditions, you can move on to the details.
Interest rates and parameters
The interest rate when refinancing mortgages from other banks by UniCredit Bank is determined individually, depends on many parameters and has a system of bonuses and increases.
- If the collateral is an apartment, and the loan amount is less than 80% of its value, then annual rate 11.9%. For a private home (loan less than 50% of the cost) – 13%.
- The interest rate will decrease if: the loan size is 3.5-5 million rubles by 0.25%, from 5 to 10 million by 0.5%, over 10 million by 0.75%. A 0.5% discount applies to salary clients UniCredit Bank. 0.2% is also promised if the loan is increased by 300 thousand or more in order to improve living conditions.
- The rate increases in the absence of life and health insurance in the required UniCredit organizations by 2.5%, and insurance collateral property similar to 1%. A 2% premium is also valid during the period from the moment of signing the contract until the transfer of housing as collateral (repayment of mortgages from other banks). 0.5% is added for refinancing loans with a stated purpose other than housing.
These are the standard conditions for refinancing a mortgage at UniCredit. However, if the client meets the following criteria:
- Makes a down payment of 40% or more of the mortgage amount;
- Works for hire (submits a 2-NDFL certificate or according to the bank form);
- Registered in Moscow and intending to borrow less than 5 million rubles, in another region - less than 2 million;
Then the client can claim special conditions lending, for which the interest rate will be 11.2% per annum.
In addition to the above, UniCredit Bank, when refinancing mortgages from other banks, puts forward the following requirements:
- Early repayment of the loan is provided subject to advance (at least 3 days) notification to the bank by notification in the form.
- The penalty for delay in payment is determined in the amount key rate TSB RF.
- If the client has a spouse, his guarantee is required.
UniCredit does not charge any fees for concluding a transaction.
Requirements for the borrower
UniCredit Bank imposes a number of criteria on the borrower if he wants to obtain approval for mortgage refinancing:
- Total work experience of 2 years, without a break of more than 3 months - from 1 year. The client must work in one place for more than 3 months.
- Registration of the borrower and his employer, as well as the place actual residence must be on the territory of the Russian Federation (excluding Sevastopol and the Republic of Crimea).
- Credit history must be positive and financial position solvent. If the guarantor is a spouse, his income can be included for accounting purposes.
- The original loan must be paid off for at least a year at the time of refinancing.
By meeting all these requirements, you can safely expect not to refinance the mortgages of other banks with UniCredit.
Required documents
Any loan application requires the collection of a package of documents. Reviews about this process are not flattering, but refinancing requires additional certificates, without which UniCredit will not be able to complete the transaction:
- Loan agreement with the primary bank (copy).
- Pledge agreements, guarantors and other agreements (copies).
- An original statement of loan payments for the last year certified by the old bank.
- Details by which the old loan will be repaid (certified original).
- Letter from the primary bank with information about the amount of debt and all facts of violation of the payment regime by the borrower (z.o.)
By collecting all these papers in advance, you can significantly simplify the process of refinancing your mortgage at UniCredit Bank.
If you have a loan, everyone strives in every possible way to reduce overpayments on it. Clients monitor changes in interest rates and respond promptly. This is why the loan refinancing service at UniCredit Bank is so popular. This procedure is available to almost every client of any bank.
In order to refinance a loan from UniCredit Bank, individuals must provide a standard package of documents:
- passport;
- a copy of the work book;
- income certificate;
- a certificate from the current bank about the amount of the remaining debt and the absence of overdue payments.
If all the documents are collected, all that remains is to choose suitable program refinancing loans from UniCredit Bank to loans from other banks. You can study all the conditions for 1 programs available in the amount of 100,000 - 3,000,000 rubles directly on this page, and use the calculator to calculate the loan for your individual conditions. Additional information can also be found on the bank’s official website.
Refinancing is a bank program that allows you to reissue a loan or mortgage for more favorable conditions in another financial institution.
You can only refinance a third-party loan that the client received from another banking institution secured by property. More detailed information about refinancing at UniCredit Bank can be found in the material below.
UniCredit mortgage refinancing conditions
UniCredit Bank offers the following conditions for mortgage refinancing:
- Maximum loan period: 30 years, if the initial loan was issued for the purchase or construction of an apartment or residential building. For 15 years - if the client has not indicated the purpose of the loan money.
- A mortgage is issued against housing: an apartment, penthouse, townhouse, private house, cottage. Housing must be at the disposal of the borrower or his guarantors;
- Maximum mortgage size: 80% of the cost of housing, if the first loan was issued for the purchase or construction of an apartment. 70% of the value of the property, if the original loan was issued without specifying the intended purpose. 50% of the cost of an individual residential building;
- Maybe early repayment. You must notify of your desire to repay the mortgage no earlier than three days in advance;
- The late fee is calculated taking into account fixed rate from the Central Bank of the Russian Federation;
- Mandatory guarantee if the client has a spouse.
At UniCredit Bank there is no commission for drawing up a loan agreement.
Required documents
To refinance a mortgage at UniCredit Bank, you must provide the following documents:
- Questionnaire from the borrower;
- Application for mortgage refinancing;
- A copy of the mortgage agreement with the primary bank;
- A copy of the loan and guarantor agreement;
- Original statement of loan payments for the last 12 months;
- A letter from the first bank about the amount of the remaining debt;
- If there is a delay in payments, you must provide a certificate of the amount and period of delay.
Before you can count on refinancing your mortgage at UniCredit Bank, you must meet a number of requirements:
- General seniority- more than two years. The client must have worked at his last job for at least three months;
- Client residence and registration in the Russian Federation;
- good credit history and a high level of solvency;
- If there is a guarantor, you must provide information about his income;
- At the time of refinancing the mortgage, payments on the first loan must be at least a year old.
Compliance and Delivery necessary documents, increases the client’s chances of obtaining mortgage refinancing at UniCredit Bank.
Interest rate
UniCredit Bank has two types of rates: fixed and combined. The client can choose any one.
- If the collateral is an apartment and the loan amount is at least 80% of the cost of housing, the interest rate will be 11.9% per annum;
- 13% - if the loan amount is less than 50% of the value of a private home.
Depending on the size of the loan, the interest rate may decrease.
- -0.25% for loan amounts from RUB 3,500,000 to RUB 4,999,999;
- -0.50% for a loan amount of RUB 5,000,000 or more. up to 9,999,999 rubles;
- -0.75% for a loan amount of 10,000,000 rubles.
Benefits are also provided in the form of a reduction of 0.25% of the original rate for clients of the salary project.
The loan rate will increase by 2.5% if there is no life and health insurance. It will increase by 1% if there is no insurance for the collateral property.
If the borrower does an initial fee in the amount of 40% of the cost of the apartment, provides a 2-NDFL certificate and borrows less than 5 million rubles, he can count on special offer on lending with a rate of 11.2%.
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Borrowers ask us whether UniCredit Bank offers consumer loan refinancing. On this moment There is no such option, but there is a mortgage refinancing program.
Refinancing from UniCredit Bank allows you to reissue a loan received from another financial institution on more favorable terms for you. You will be able to reduce the interest rate, change the term, reduce the monthly payment, change the currency - all this will make the process of repaying the debt more comfortable and will help reduce your monthly mandatory expenses.
The bank offers clients to use this program if the first loan was taken to purchase real estate in the primary and secondary markets or construction of a private house.
Borrowers also have the opportunity to take out a larger amount than is needed to pay off the debt. Additional funds may be used for repairs or other improvements to the housing provided as collateral.
Main characteristics refinancing programs:
- Duration – up to 30 years (up to 15 years – without specifying the purpose of the loan).
- The collateral is real estate owned by the borrower or guarantors.
- Maximum amount: 50-70% of the property value depending on the type of housing.
- 2 types interest rate: fixed and combined. Clients can choose a program with any of them.
- Citizenship in Russia is not required.
- Down payment – from 30%.
- Rate – from 21% in Russian rubles, from 9.50 in dollars or euros.
- There are no loan fees.
Early repayment (partial or full) is made on any day at the request of the client, who notifies the bank about this in writing 3 days in advance. At the same time, there is no moratorium, commissions or restrictions on the amount.
Married clients must obtain sponsorship from their spouse. If the total income of the applicant and the guarantor is considered, then a guarantee agreement must be concluded.
The bank presents the following requirements to a potential borrower.
- Age – 21-65 (as of the date of full repayment). You will find information about loans from 18 years of age on this page
- Employment in the last place - from 3 months, total experience - from 2 years.
- The employer can be located in any region in the Russian Federation.
- Income must be verified. How to make a certificate is described in detail on this page.
- No negative credit history.
Guarantors (no more than 3) must meet the same requirements.
In addition to mortgage refinancing on favorable terms, UniCredit Bank offers consumer loan on just two documents at 26% per annum
If you want to know how to get a loan without refusal? Then go through