Рефинансирование — условия 2026

Refinancing involves taking out a new loan to pay off an old one. This service can be useful if the borrower can no longer afford to make heavy monthly payments and wants to reduce them, or if they want to lower the interest rate on their current loan. Refinancing can also help if a person has multiple loans and wants to consolidate them into one. 

Features of loan refinancing

Loan refinancing has several features:

1. Lower interest rate. Refinancing often allows you to reduce the interest rate on your loan, which in turn reduces your monthly payments and total overpayment.
2. Extended loan term. Refinancing may allow you to extend the loan term, which also helps lower monthly payments. However, keep in mind that this may increase the total payment amount.
3. Consolidating multiple loans into one. Refinancing helps combine several loans into a single one. This simplifies debt management and reduces total overpayment.
4. Option to change loan currency. If your existing loan is in a foreign currency, refinancing allows you to convert it into rubles, reducing currency risks.
5. Borrower requirements. Banks may require additional documents and conduct a more thorough check of the borrower to refinance a loan. There are also restrictions regarding overdue payments and credit history.
6. Processing fees. Refinancing involves additional costs, such as loan issuance fees, property valuation, insurance, and others.
7. Loan restrictions. Some types of loans have restrictions on refinancing due to legislation and loan agreement terms.

Which banks offer loan refinancing

You can apply for refinancing at almost any major bank, provided the borrower meets their requirements. However, the most attractive terms are offered by the following credit institutions:

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Offer

Min. amount

Max. amount

Rate

Term

Rating

Refinancing at T-Bank

Min. amount

50 000 ₽

Max. amount

5 000 000 ₽

Rate

From 18.9 %

Term

up to 5 years

Rating

5

Who is eligible for loan refinancing

Loan refinancing is available to those who have an active loan agreement and want to change its terms. Requirements for the borrower may vary slightly depending on the bank you apply to. However, the service is often available to people who meet the following conditions:

• are citizens of the Russian Federation;
• have permanent or temporary registration, a place of actual residence, and a place of work within the Russian Federation;
• aged 18 to 65 at the time of the expected loan payoff date;
• have a work experience of at least 3 months at their last place of work and a total work experience of at least 1 year;
• have a regular income of at least the subsistence minimum for the region. 

As for documents, refinancing usually requires a Russian passport, a second identity document, and certificates confirming income and employment. You will also need the loan agreement for your current debt. 

How to apply for loan refinancing in 2024

Applying for loan refinancing is simple. To do this, the borrower needs to:

1. Review refinancing terms across different banks. Compare interest rates, repayment terms, and other agreement parameters.
2. Prepare all necessary documents for refinancing, including the loan agreement, debt statement, income verification documents, and any other documents requested by the bank.
3. Contact a bank that offers refinancing services and submit a loan application.
4. Wait for the bank's decision on the application.
5. Sign a new loan agreement with the bank on refinancing terms.
6. Use the new loan to pay off the old one.

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Refinancing at VTB

Term: 7 years

Interest rate: 5.9

Minimum amount: 30000 ₽

Maximum amount: 40000000 ₽

Age: 23

Decision: From 2 min

Details

Pros and Cons of Loan Refinancing

Pros of loan refinancing:

• ability to lower the interest rate, as well as reduce monthly payments and total overpayment on the loan;
• ability to reduce the monthly payment by extending the loan term;
• ability to combine multiple loans into one, which simplifies loan management and reduces total overpayment;
• ability to convert a foreign currency loan into rubles to avoid currency risks.

Cons of loan refinancing:

• additional, stricter requirements for borrowers from the bank offering refinancing;
• additional expenses associated with arranging the refinancing;
• presence of restrictions on applying for the service for certain types of lending.