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Refinancing mortgages, Gazprombank: reviews

Mortgage has become one of the types of lending, through which you can buy your own home. Today, almost all financial institutions offer to issue mortgages on the most favorable terms, and such an operation as refinancing of mortgages became common. Gazprombank, among others, offers optimal conditions for processing and simplified requirements for borrowers.

Basic concepts

Before considering the refinancing of a mortgage in Gazprombank, let us examine the basic concepts.

It is customary to consider a mortgage as a form of collateral where the debtor uses the pledged property, and in case of default to the creditor, this property can be sold as a debt repayment.

Refinancing refers to the full or partial closure of a loan by obtaining a new loan. The given program can be applied in case of change of market conditions, and also decrease in solvency of the debtor.

The best option is to refinance a mortgage in Gazprombank. Reviews about it in the majority only positive, many borrowers are satisfied with the terms of loans and the bank's services.

Conditions

Gazprombank refinances mortgages on the following terms:

  • Mortgage is granted for 30 years or more.
  • The mortgage itself is the property itself.
  • The loan under the program is issued in the amount of 600 thousand rubles. Up to 45 million rubles.
  • The interest rate on refinancing is 12-13%.
  • The loan rate can reach 1% if the borrower has personal insurance.
  • Application for mortgage refinancing is considered 7-10 days.
  • Perhaps early repayment of mortgages without the imposition of fines and penalties.
  • Monthly payments can be paid in excess of the minimum required minimum payment.
  • Refinancing can be executed not only in the ruble equivalent, but also in a different currency.

Insurance

Like any other long-term loans, Gazprombank refunds mortgages. Separate compulsory and voluntary insurance.

The following risks are included in the compulsory insurance:

  1. Damage or loss of immovable property.
  2. Termination of ownership of collateral for a period of at least a year (but if the borrowed property was held by the borrower for more than three years, this type of insurance is not applied).

Voluntary insurance includes the following:

  1. Death of the borrower or loss of his capacity for work.
  2. Accident.
  3. Property insurance.

Decor

Despite the instability in the economic sphere, Gazprombank's mortgage refinancing works without global changes.

The refinancing process has the following stages of registration:

  • Writing an application in any convenient office of Gazprombank.
  • Collection and provision of documents.
  • Obtaining permission in the bank, where the mortgage was originally issued, for refinancing.
  • Drawing up and signing of the contract.
  • Transfer of funds to the settlement account of the borrower.
  • Repayment of a loan in a bank where a mortgage was issued.
  • Release of the property from the lien.
  • Conclusion of a pledge agreement with Gazprombank.

There is an option that it will be necessary to provide guarantors or other property to Gazprombank. Refinancing of mortgages of other banks to individuals in this case is provided on more favorable terms. In other words, the borrower has more chances to get funds to pay off the mortgage in another bank.

Documentation

Gazprombank, however, like the rest of the banks, requires a standard set of documents. First of all, you need to write an application for refinancing, agree to process the data and to request a credit history.

The application must contain the following data:

  1. Full details of the borrower.
  2. Address and telephone number of the applicant.
  3. The loan amount required to pay off the mortgage.
  4. The crediting period.
  5. Data about the security facility.

Along with the application are:

  • The document proving the identity;
  • A 2-NDFL certificate confirming the borrower's solvency;
  • A copy of the work record book;
  • Documents for real estate: a certificate confirming the right of ownership, the basis for the right to acquire property;
  • A loan agreement concluded with the original creditor;
  • Certificate of credit debt.

The additional documents include:

  • Obtaining the written consent of the first creditor for refinancing a mortgage;
  • Provision of additional collateral or guarantor;
  • The borrower can submit documents confirming additional income; For example, if this is renting a property, then you need to submit a lease.

In addition to the above, the bank may request the following documents:

  • Individual tax number;
  • SNILS;
  • Documents on education;
  • Documents confirming the marital status;
  • A child's birth certificate or a child's passport if he is already 14 years old;
  • Certificates of death of parents, children, spouse (if any);
  • Documents that can confirm the existence of movable or immovable property.

Requirements for the borrower

"Gazprombank" refinancing of mortgages of other banks provides not all comers. To the borrowers who want to solve their credit problems, the bank makes a number of demands. This includes:

  • Presence of Russian citizenship;
  • Permanent residence in the credit region;
  • Positive credit history, absence of delinquencies at the time of refinancing;
  • Refinancing of the mortgage "Gazprombank" grants to persons not younger than 20 years and not older than 55 years for women and 60 years for men;
  • The presence of a permanent income and stay on the last job for at least six months.

The income of the person must provide him with the opportunity to pay in a timely manner the monthly payments. In case of delays or improper performance of duties to the bank, fines and penalties may be imposed on the borrower.

If the borrower provides additional collateral in the form of property or another surety, the financial institution can increase the age by five years (for women this will be 60 years, for men it will be 65, respectively).

The strictness of the requirements is justified by the fact that in this way the bank provides itself with financial stability, and there are very few outstanding loans.

Claim for a mortgage

Refinancing of a mortgage "Gazprombank" carries out, if it meets the requirements:

  • Is taken in rubles;
  • Type of debt obligation - only a mortgage;
  • The balance of the debt should not exceed 85% of the market value of the property;
  • The balance of the term of the loan is not less than 36 months;
  • Absence of current delinquencies.

Advantages and disadvantages

Consider the main pros and cons of the program, which offers Gazprombank. Refinancing a mortgage has the following advantages:

  • The possibility of registration in any monetary equivalent;
  • Long term of crediting;
  • Absence of additional commissions from the side of the bank, including for maintaining the account;
  • Absence of hidden commissions;
  • Availability of minimum payments without maximum thresholds;
  • No penalties for making a larger payment on account of monthly payments;
  • Possibility to pay off the mortgage ahead of schedule without imposing fines;
  • You can issue a mortgage without collateral, by giving the bank several guarantors.

Negative moments include the following features:

  • The borrower may be refused refinancing if the mortgage is repaid less than 20%.
  • The existence of requirements for the very housing: it must be an apartment exclusively in the new house. Unfortunately, the bank does not consider apartments in the secondary market, rooms in communal apartments, "Khrushchev", etc.
  • The presence of insurance affects the interest rate on the mortgage.
  • An impressive list of documents, the verification of which can take up to six months.

Reviews

What do the bank's clients say about such a service as mortgage refinancing? "Gazprombank" reviews of this service is, of course, the most diverse. Many people like that the requirements for borrowers are not too strict. However, discontent is caused by a slow review of applications. Employees of Gazprombank are granted additional benefits for refinancing.

On the other hand, censure causes incompleteness of information provided to the client initially. That is, after submitting documents, it is required to collect references, which were not mentioned before. This is not a very pleasant moment, which upsets many customers of Gazprombank. However, the attractive interest rate all these shortcomings overlap, so the flow of customers at the bank is stable.

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