Alfa-Bank refinancing

At Alfa-Bank, you can apply for loan refinancing for an amount from 500,000 to 30,000,000 RUB. You can borrow such funds at interest for a term of 1 to 15 years. 

The credit organization determines the interest rate for each borrower individually. The minimum overpayment rate here is 22.9% per annum, and the maximum is 24.9% per annum.

At Alfa-Bank, you can get money not only to refinance other loans, but also for personal needs. It is important that the total loan amount does not exceed 30 million RUB. You can also use the refinancing service to combine multiple loans into one. At Alfa-Bank, the maximum number of loans is 5.

At Alfa-Bank, as with any other credit organizations, early loan repayment is possible. You can make either partial payments or pay the full amount required to close the debt. 

You can make an early payment via online banking, the mobile app, or a branch of the credit organization. In all cases, however, to repay a loan early, you must notify the lender of your intentions in advance.

A penalty is charged for overdue monthly payments. Even for minor violations of the loan agreement terms, the financial institution charges a penalty of 0.1% per day of the debt amount. Alfa-Bank also mandatory transmits information about the incident to the Credit History Bureau, which negatively affects your credit history.

To apply for refinancing, you must meet the following requirements of the credit organization:

• have Russian citizenship;
• be at least 21 years old;
• have a work experience at your current job from 3 months.

As for documents, only a Russian citizen's passport is required to submit an application. However, to increase the likelihood of a positive decision on your application, you can also provide certificates confirming your income and employment.

To get more favorable loan terms, you can provide collateral to the bank. The following can be used as collateral:

• apartment;

• apartments;

• parking space;

• commercial real estate.

At the same time, the collateral must be free from restrictions, encumbrances, legal claims, court demands, and claims for seizure of the property.

Alfa-Bank credits the loan funds to a bank card account. You need to repay the debt to other creditors on your own.

Monthly loan payments are deducted automatically from the bank card to which the borrowed funds were transferred. However, you can top up the card in any convenient way:

• by transfer between your own accounts opened at Alfa-Bank;
• by transfer from cards of other banks;
• in cash through Alfa-Bank ATMs;
• in cash through ATMs of other banks;
• in cash through Alfa-Bank cash desks.

Abbreviated name: JSC “Alfa-Bank”

Tax ID (INN): 7728168971

BIC: 044525593

KPP: 770801001

Correspondent account: 30101810200000000593

OGRN: 1027700067328