Editorial Review: Refinancing at Rosselkhozbank

Refinancing at Rosselkhozbank: product overview

Refinancing at Rosselkhozbank is a credit product designed to consolidate and repay a borrower's existing obligations. According to the Sravnim24 card, the application is processed online on the bank's official website, via the mobile app, or at a Rosselkhozbank branch. In this review, we analyze the key parameters of the product based on verified data, without assessing the probability of approval or referencing personal customer experiences.

Terms and important parameters

Key product characteristics listed on the card:

• Type: loan (refinancing).
• Loan amount: from 30,000 to 3,000,000 RUB.
• Term: up to 5 years (60 months).
• Interest rate: 27% (the value recorded on the product card).
• Application review time: from 10 min
• Application method: online on the Rosselkhozbank website, in the mobile app, or at a bank branch.

Please note: the stated rate and term may be changed by the bank depending on individual conditions. Before applying, check the current parameters on the official resource.

Who it may suit

The product is aimed at borrowers who plan to consolidate several loans into one or refinance existing debt. Based on the parameters, it may be considered if:

• the amount of your obligations is in the range of 30,000 to 3,000,000 RUB;
• you are prepared for a repayment term of up to 5 years;
• you prefer a remote application format.

The decision to issue the loan is made by the bank on an individual basis, so meeting the specified ranges does not guarantee approval.

What to check before applying

Before submitting an application, we recommend:

• Checking the current terms on the official Rosselkhozbank website — the product card may not reflect all borrower requirements.
• Verifying the list of documents and requirements for existing loans you plan to refinance.
• Comparing the offer with other products on Sravnim24 (e.g., cards numbered 9320, 6990, 2061) to evaluate the difference in rates and terms.
• Checking for hidden fees — information about these is not included in verified data and requires clarification from the bank.

How to compare with alternatives

For an objective comparison, use the filters on Sravnim24 by amount, term, and rate. Pay attention to products available for online application (IDs 9320, 6990, 2061 are listed in apply_now_select_products). Compare:

• maximum and minimum amounts;
• loan term;
• interest rate;
• application method and response time.

Keep in mind that the final rate may depend on your credit history and other factors, so use the bank's preliminary calculations as a guide.