Refinancing at Ak Bars Bank

When applying on the website or at an office of Ak Bars Bank, you should check whether the loan to be refinanced meets the current conditions:

• currency: rubles;
• number of serviced loans: 1-5 (no more than 5);
• total debt amount does not exceed 2 million RUB;
• types of loans eligible for refinancing: mortgages, auto loans, consumer loans, credit cards;
• minimum repayment term: 6 payments;
• debt: none.

Individuals who have taken out 1 to 5 ruble-denominated loans from one or several financial institutions (including MFIs) can apply to Ak Bars. Only debts that are 50% paid off by the time of application and before any overdue payments occur are considered—meaning the client previously made payments on time. Refinancing will combine the remaining loan balances to issue a new loan in an amount that will allow for full repayment.

Repayment is made in equal (annuity) payments according to the schedule established for the client. Partial or full early repayment is possible by notifying a bank employee in advance.

Ak Bars charges a penalty of 0.1% of the loan amount for each missed day of payment.

Only individuals who meet the following criteria can use the bank's refinancing service:

• Russian citizenship;
• official employment;
• age 21 to 65 years;
• documented regular income;
• work experience at the current job: at least 3 months;
• place of employment: in the region where Ak Bars offices are located.

With a positive credit history and no outstanding debts.

To apply for a loan at Ak Bars Bank, the client will need the following documents:

• Russian internal passport;
• certificate / statement of current debt on the loans to be refinanced;
• loan agreement / lending terms;
• employer's certificate / employment contract.

Holders of the bank's payroll cards do not need to provide documentary proof of income.

You can apply for refinancing at an Ak Bars Bank office by providing the required documents to an employee. Online, via the mobile app or the bank's website, the service is available to registered clients who have a personal account on the platform.

Repayment is made through monthly annuity payments according to the schedule set by the bank, which shows the deadlines:

• at Ak Bars Bank ATMs or terminals;
• via internal transfers in the banking app;
• from cards of other banks;
• Elecsnet terminals;
• via Euroset;
• NCR and Infomat.

Early repayment is available – partial or full.