Car loan refinancing at Alfa-Bank

Alfa-Bank offers truly favorable car loan refinancing terms. You can refinance an amount from 500,000 to 30,000,000 RUB. Such funds with interest are available for a period of 1 year to 15 years.

The minimum interest rate for car loan refinancing is 22.9% per annum, and the maximum is 24.9% per annum. The bank determines the overpayment for each client individually. However, such an interest rate is lower than the market average in any case.

Here you can take out credit funds not only for car loan refinancing, but also for personal needs. The main thing is that the total loan amount does not exceed 30,000,000 RUB. At the same time, you can refinance more than one car loan. Alfa-Bank provides the opportunity to combine multiple loans into one. The maximum number of loans you can combine is 5.

At Alfa-Bank, as in other credit institutions, early repayment of a car loan is possible. You can make either partial payments or the full amount required to close the debt.

For early loan repayment, you can use online banking, the mobile app, or contact a branch of the credit institution. In all cases, however, before full repayment, you must notify the lender in advance of your intention to repay the loan early.

Even for a small delay in the monthly payment, the bank charges a fine. The penalty amount is 0,1% per day of the debt amount. In addition, even for minor violations of the loan agreement terms, Alfa-Bank definitely transfers information about the delay to the Credit History Bureau.

It is worth remembering that even the smallest debt can negatively affect the borrower's credit history and cause a loan refusal in the future.

Alfa-Bank's requirements are standard. To arrange a refinancing service here, you need to meet the following criteria:

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

To apply for the refinancing service, it is enough to have a passport of a citizen of the Russian Federation with you. But to increase the chance of a positive decision on the application, you can also provide certificates confirming income and place of work.

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

• apartment;
• apartments;
• parking space;
• commercial real estate.

At the same time, the collateral must be free from any restrictions, encumbrances, legal claims, judicial claims and claims for the seizure of the object.

The bank credits the loan funds to a bank card. That is, you need to repay the debt to other creditors on your own.

The write-off of monthly payments for refinancing occurs automatically from the bank card to which the loan funds were transferred. But you can top up the card in any way convenient for you:

• 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